This is a great article from a few years back that helps sort out some of the truth and myth of what is happening in the Helicopter Insurance game. Prices may have changed a bit over the years but the way it all goes down is still the same. This is a must read for anyone who is about purchase or lease a helicopter and there is a very interesting bit on page 107 about Insurance for Renters that Helicopter students should make themselves aware of.
http://capital-helicopters.com/AlwaysReadTheFinePrint.pdf
