Insurance Issue for Training

[Skyatty]

Weird question for the board.  I was supposed to start flight training for my IR tomorrow. The instructor sent me an e-mail saying that the FBO wanted to be named as an additional insured on my insurance since we will be training in my plane.  I called my insurer who said that it was an unusual request because the FBO should already have proper coverage on its policy and the additional coverage will cost me an additional premium.  Is it an unusual request?  Is it unusual for the insurer to charge an additional premium to put the FBO or the instructor on the policy?

[Parker_Woodruff]

It depends on who the Insurance Company is.  If it's Aerospace Insurance Managers (Hallmark Insurance Company), they're typically $75 or $150 (dependent on the policy).  There's a good chance that Aerospace/Hallmark is writing your policy based on what I'm guessing your qual's are...

Many won't charge...

That said, a flight school should preferably have their own non-owned hull and liability coverage.  Especially if their fleet size/exposure dictates such.

[DonMuncy]

I have never had any instructor ask me to insure them. I might gently suggest I would shop around for someone else to train with, or inquire whether they wanted to pick up the additional insurance charge. In today's economy they may rethink their position.

Don

[OR75]

had my biannual done in my J and the instructor (who was tied to a flight school) wanted to see the plane annual inspection sign off 

[DonMuncy]

I think it is probably appropriate for an instructor (or perhaps any passemger) to verify that the plane they are climbing into is airworthy, which includes being within a valid annnual.

Don

[skyking]

I had to do that when i did my initial training in mine too.

Even though it was only a 5 hour dual so the insruance would sign me off the flight school wanted me to add them. I was not charged anything extra by my insurance company.

[Hank]

I did my Instrument training in my airplane, using an instructor from the local FBO. There was no additional insurance, no riders, no add-ins; but the FBO does charge $5/hr extra for training in personal planes.

The only time I've had to call my insurance company was to add the MAPA Safety Foundation as an additional named insured for the duration of a specific three-day Pilot Proficiency Program, and there was no charge for that. In fact, they were happy that I was getting type-specific training. I am now pushing 400 hours in my C.

[Parker_Woodruff]

Quote: Hank

I did my Instrument training in my airplane, using an instructor from the local FBO. There was no additional insurance, no riders, no add-ins; but the FBO does charge $5/hr extra for training in personal planes.

The only time I've had to call my insurance company was to add the MAPA Safety Foundation as an additional named insured for the duration of a specific three-day Pilot Proficiency Program, and there was no charge for that. In fact, they were happy that I was getting type-specific training. I am now pushing 400 hours in my C.

[RJBrown]

When I call my CFII for my annual ICP it is just between the 2 of us. The FBO/flight club he works out of is not involved.  Insurance is not an issue.  My insurance used to require an IPC every year. They dropped the requirement after 2 years but I still like to do it just to keep safe.

[thinwing]

Usually additional insured are added under the open policy section that states any pilot meeting the minimum experience level in type and model can be insured at no additional cost.The guy we use for recurrancy training in our amphibious Husky was added under this clause...and the insurance company is strict about recurrancy,due to all the amphib accidents....kp couch

[Parker_Woodruff]

Quote: thinwing

Usually additional insured are added under the open policy section that states any pilot meeting the minimum experience level in type and model can be insured at no additional cost.

[Becca]

I don't know abotu adding an FBO, however if you can add your Flight Instructor as a "named" insured (rather than under open pilot policy) without incurring additional cost its usually worth it is my understanding.  As an open pilot, most insurance companies can pay the claim to you and than subrogate the claim by going after the pilot flying in the same way rental outfits can.  They can't do this with anyone named on the policy, they just pay the claim to the named insured.  But on the other hand, I suspect most flight instructors have personal insurance or insurance through their employer to protect them against this.  Its worth talking to your agent and your flight instructor about.

[KLRDMD]

Quote: RJBrown

My insurance used to require an IPC every year. They dropped the requirement after 2 years but I still like to do it just to keep safe.