What is the most appropriate flight time to report when applying for aircraft insurance?

When applying for aircraft insurance, it's crucial to report the flight time that reflects your proven experience. Insurance companies evaluate risk based on a variety of factors, including the pilot's experience and history. By reporting a flight time that accurately depicts your capabilities and experience level, you are providing underwriters with a clear picture of your proficiency.

This approach aligns with insurance principles, which focus on assessing risk based upon actual experience rather than any arbitrary or generalized data. Accurate representation of your flight hours helps ensure that you receive an appropriate policy and coverage tailored to your specific situation. It can also aid in potentially lowering your premiums, as insurers often reward more experienced pilots with lower risk assessments.

The other options do not provide the necessary specificity or accuracy. Any number deemed reasonable lacks the necessary context and may misrepresent your actual flying experience. Total logged flight time according to FAR might not always reflect your recent experience or specific type ratings, while averages from similar pilots do not account for individual skills or experience levels, which can vary widely. Thus, reflecting your proven experience is the most appropriate and effective way to approach reporting flight time for insurance purposes.