One feature that is unique to aircraft policies. Many policies contain a
named pilot warranty, which is a clause listing the names of the
pilots who are authorized to fly the plane. No one else is permitted to operate
the aircraft. Some policies contain an open pilot warranty. This
clause describes the qualifications a pilot must possess to be authorized to
fly the plane. Usually, the owner's qualifications (including the license
type, ratings held, and flying hours accumulated) are the minimum required. Any
pilot whose qualifications equal or exceed those described in the policy is
permitted to fly the plane. Obviously, an open pilot warranty is preferable to
a named pilot warranty.