Yes in most cases they will be covered just as long as they have time in your type aircraft.If I wanted to allow my CFI to fly my plane without me tin it, how do I work that out with my insurance company?
Is it something that an insurance company will allow if they are not an owner?
Really? Mine wants a bit of Comanche hours (250 maybe) and 500 or 750 retract.My insurance says that anyone with a commercial or higher license can fly my plane without me if authorized by me.
Really? Mine wants a bit of Comanche hours (250 maybe) and 500 or 750 retract.
Or suggest they carry non-owner coverage.It's been said on here a hundred million times, but once again, an open pilot warrantee does not cover them, it covers you. Your loss will be covered up to the limits of the policy, they will be hung out to dry.
If you want them to have the same coverage as you, add them to the policy as a named insured pilot.
I think as a CFI I would anyway. I did when I rented even as a student. Some school's required it, some didn't, but it wasn't super expensive and I've seen my landings.Or suggest they carry non-owner coverage.
I was assuming for the CFI's personal use. To be used for instruction would require at least an endorsement (most likely with higher premiums) or an entirely different insurance policy.Will your CFI whore out your plane and let students abuse it?
If he's planning on instructing in it, the open pilot clause may not apply. You need to check what he plans to do with it and then check with your insurance company. Normally, you can rent your plane to someone for private use if they meet the open pilot clause restrictions and you won't need 100 hr inspections, If the instructor uses your plane for instruction then the 100 hr inspection is a player.If I wanted to allow my CFI to fly my plane without me tin it, how do I work that out with my insurance company?
Is it something that an insurance company will allow if they are not an owner?
The open pilot clause is not the problem. The problem is this type of language (or the equivalent) which is fairly standard in private aircraft policies:If he's planning on instructing in it, the open pilot clause may not apply.
No, personal use onlyWill your CFI whore out your plane and let students abuse it?
Wisdom, right there!Add a requirement to the terms of use that a 6 pack or greater quantity of beer appears in the hangar following every flight. Good beer (pro tip - if it’s being pitched on commercials during football games, it’s not good beer), preferably cold.
It’s not compensation. It’s just another wondrous magical deed of the hangar fairy.
Not all of them do. It’s been a few years, but when I first moved to Florida and was in between planes, I was going to rent 172s from a large flight school/FBO near us. Got an aircraft checkout, and then when I asked to get on the schedule to rent it for a personal flight there was an issue. They tell me that I need insurance. No problem, I said I’d get non-owned coverage. The manager said that was insufficient - I needed full coverage for the hull value, the same as if I owned the aircraft. They recommended an insurance agent a couple buildings away.Being a named pilot /insured is really the best way to go, with a supplental non-owner policy to cover deductibles. Renting a plane from an fbo is another story, as they have commercial coverage.
and with a waiver of subrogation the insurance can sue those same people to recover any claim paid.My insurance says that anyone with a commercial or higher license can fly my plane without me if authorized by me.
I have done this with several owners. I can instruct the owner or fly their aircraft. The insurance will require their flight times and issues documents naming me as an insured with a waiver of subrogation.If I wanted to allow my CFI to fly my plane without me tin it, how do I work that out with my insurance company?
Is it something that an insurance company will allow if they are not an owner?
Invariably, an FBO's insurance policy is written to make the FBO whole should a renter have an accident. It doesn't necessarily protect the renter in any way. If there is an accident in an FBO's rental, the FBO insurance carrier can go after the renter in attempt to recover any funds they've had to pay out to the FBO. It's called subrogation. Not saying they would, only that they could.Here is another little gotcha I was recently made aware of. If you have a non- owned aircraft policy, and you crash the plane but it isn't pilot error, like due to a mechanical'' failure, you may not have coverage. In other words, the non-owned underwriter isn't going to pay for the owner's failure to maintain the aircraft, only damage caused by your bone headed pilot skills.
Being a named pilot /insured is really the best way to go, with a supplental non-owner policy to cover deductibles. Renting a plane from an fbo is another story, as they have commercial coverage.
That's why I suggested for the original poster to look at his policy or call/email his agent.It’s become obvious that nobody really knows…
You are confusing liability with insurance coverage, If you have an accident, your non-owners policy will defend you in any lawsuit brought against you and pay, to the limits of your policy, any amounts you are found liable to pay. Your insurance may also negotiate a settlement.Here is another little gotcha I was recently made aware of. If you have a non- owned aircraft policy, and you crash the plane but it isn't pilot error, like due to a mechanical failure, you may not have coverage. In other words, the non-owned underwriter isn't going to pay for the owner's failure to maintain the aircraft, only damage caused by your bone headed pilot skills.
Being a named pilot /insured is really the best way to go, with a supplental non-owner policy to cover deductibles. Renting a plane from an fbo is another story, as they have commercial coverage.
Even if the plane was found to be mechanically deficient (an AD wasn’t done, an inspection wasn’t logged, the tires were bald) you were PIC and required to determine airworthiness preflight and discontinue the flight if the plane becomes unairworthy.
I have had a number of people let me fly their planes over the years, they just add me as named to their insurance, They send me an insurance form to update once a year when they update their insurance.If I wanted to allow my CFI to fly my plane without me tin it, how do I work that out with my insurance company?
Is it something that an insurance company will allow if they are not an owner?
I agree. Same here. Like most CFIs, I have been granted access to numerous airplanes. And I almost never fly them. Probably because I'm busy flying other airplanes!Biggest issue is it is surprising how little I fly their airplanes, even when all I pay for or gas, or in a few cases the owners have even offered to buy gas for me also.
They are only the same if your name happens to be "Open Pilot."Open Pilot and Named insured (added) are totally different things…just realize the difference in coverage when there is a loss.