Insurance for ultralights

[dewi8095]

Will the aviation insurers (AOPA, Falcon, Avemco, etc) sell liability and hull insurance on ultralights, or is it common for ultralight owners to fly without any insurance coverage?

[sonex293]

Ultralight liability insurance is available to USUA members...

http://www.usua.org/Insurance/

==
Michael

[Buzz]

Ultralight liability insurance is available to USUA members...

Investigate carefully.

I've been flying ultralights for over 30 years. It seems to me that the reason why insurance was ever offered is because some airports required it in the early years. There have been multiple insurance offerings that have come and gone.

I've never met or heard of a ultralight owner that has bought the insurance the numerous times it's been available from various places in the last 30 years.

I can't understand how one would file a claim for hull damage. Who would write the damage estimate? An A&P isn't going to want to work on anything without an N-number. I doubt an insurance company is going to write a check to an owner on their statement about the loss or damage. What reporting body details the loss for a claim? There are not "ultralight accident insurance adjusters" running around.

And what liability does an ultralight create for anyone else? We're not supposed to be over populated areas. Crop damage from an off airport landing? "Causing" another airplane to crash? Who proves it's my fault rather than their fault?

I believe nearly everyone over the years has concluded it's a waste of money unless someone else [like an airport] is mandating you buy a policy.

My thoughts.

-Buzz

[1600vw]

Investigate carefully.

I've been flying ultralights for over 30 years. It seems to me that the reason why insurance was ever offered is because some airports required it in the early years. There have been multiple insurance offerings that have come and gone.

I've never met or heard of a ultralight owner that has bought the insurance the numerous times it's been available from various places in the last 30 years.

I can't understand how one would file a claim for hull damage. Who would write the damage estimate? An A&P isn't going to want to work on anything without an N-number. I doubt an insurance company is going to write a check to an owner on their statement about the loss or damage. What reporting body details the loss for a claim? There are not "ultralight accident insurance adjusters" running around.

And what liability does an ultralight create for anyone else? We're not supposed to be over populated areas. Crop damage from an off airport landing? "Causing" another airplane to crash? Who proves it's my fault rather than their fault?

I believe nearly everyone over the years has concluded it's a waste of money unless someone else [like an airport] is mandating you buy a policy.

My thoughts.

-Buzz

I believe this is why the insurance companies will write one of these. They know its money in and no money out, for whom will they pay. But just try and get hanger insurance on that same airplane, so if something takes the hanger down the ultralight or experimental is covered. They will tell you they do not offer this, because now they might have to pay something out to someone.
Just a big scam to me. I need insurance or want insurance for when I am away from my airplane not when I am with it. I did have one insurance agent tell me 800 bucks a year to cover this non motion in hanger coverage. You have got to be kidding me 800 bucks a year to cover this.

[pacerpilot]

I've never encountered an insurance company that would write an Ultralight policy.

[Buzz]

I've never encountered an insurance company that would write an Ultralight policy.

The United States Ultralight Association has had one for quite some time but I've never heard of anyone buying the policy. As "insurance", it's pretty worthless I believe.