[kragby]

After gear collapse on landing and some damage, it looks like Avemco will deny any claim based on somewhat small obscure definition that says they define "flight" as including all phases of takeoff and touchdown including rolling along the runway even with the wheels firmly on terra firma.

Webster says - an act or instance of passing through the air by the use of wings. Google - Flight is the process by which an object moves through an atmosphere (or beyond it, as in the case of spaceflight) without contact with the surface.

When I got their insurance they asked if I wanted in flight hull coverage. I said I didn't as damage to the hull in flight wasn't likely and probably not survivable and thought no more about it.

Seems to me changing common and universal understanding and definition of terms to mislead customers is not legitimate but maybe other aviation insurance does as well? With their definition my insurance doesn't cover very much - mostly just parked on the ramp. Might want to carefully check yours.