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Thread: Non owner insurance

  1. #1

    Join Date
    Jan 2012
    Posts
    1

    Non owner insurance

    I am looking into taking flying lessons and was wondering about insurance. The flying club that I want to join has a $5000 deductible in the event if I damage their airplane. My question is should I buy enough insurance just to cover the deductible or should I buy enough to cover the entire plane? I am worried that the insurance company could come back and sue me for their loss if the damages exceed $5000. What do all of you guys/gals do?

  2. #2

    Join Date
    Dec 2011
    Location
    Plano, Tx
    Posts
    12

    Non-owners Insurance

    Quote Originally Posted by gscott12 View Post
    I am looking into taking flying lessons and was wondering about insurance. The flying club that I want to join has a $5000 deductible in the event if I damage their airplane. My question is should I buy enough insurance just to cover the deductible or should I buy enough to cover the entire plane? I am worried that the insurance company could come back and sue me for their loss if the damages exceed $5000. What do all of you guys/gals do?
    I have a non-owners policy for $5000. It costs me $158/yr. I think it's worth it. I would not buy any extra insurance.

    Have fun with your lessons!

    Jeff

  3. #3
    Mike Switzer's Avatar
    Join Date
    Jul 2011
    Location
    Central Illinois
    Posts
    742
    Find out who the club has insurance with, and get your renter's insurance from them. If you and the club are both insured thru the same company there is pretty much no chance of them subrogating against you. Our club's policy is thru Avemco and the deductible is only like $500 so I don't have damage on my policy but I do have my personal liability thru Avemco.

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