So you basically insure the heli as standard and pay an extra premium for betterment. Just to clarify then, if I damage the blades I would get a new set, no quibbles or if I over sped the engine to the point replacement I wouldn't have to pay any extra other than the excess on the policy? Taking it further if I totalled it and lived to tell the tale would they replace the aircraft with a new one? Sorry to sound sceptical but just want to make sure I'm fully covered as came adrift once in business with a commercial policy. Thanks again.