It doesn't matter what type you climb into, it's 100hrs in type to hit 'best rate'.
Incorrect. Not all types.
100 hours in airplanes (strangely gliders don't count, and neither do helicopters) and 10 "in type" for a C-182 with our underwriter. C182, C182T, C182RG, and T182T all considered "in type" and can be combined to reach the 10 hours, per the insurance company.
(I was 1.9 hours short of 10 when I wanted to join the co-ownership LLC and the rental club's C-182 was down for MX. I therefore checked and then did 2 hours in their 182RG which was significantly cheaper and less of a hassle than paying the LLC the difference in insurance for a full year and exactly half the paperwork, since the policy would be re-issued twice in that first year, once before 2 hours more PIC and once after.)
Rates don't get any better for IR, or any specialized training programs or Wings. Nor do they change for Commercial rating or ATP ratings. Only commercial operation changes it. (Drastically.)
Zero rate change from best rate as long as all pilots have the above hours, and no commercial ops are being done. Instruction of a named insured by a CFI does not constitute a commercial op.
Rate hasn't significantly changed in a long time and hovers at roughly $100/mo for three named insureds, one Private non-IR, one Private IR, and one Comm'l IR. Statement of medical required annually but medical could be lost and regained in between and since you're not flying anyway, nothing changes. Basically the medical is a "snapshot" at the time of renewal. No requirement to notify.
No changes ever seen for low numbers of hours, but we suspect rate would climb for high hours, since they ask for numbers every year. We've all had years over 100 hours each and years where we should have rented. Ha.
Overall and IR currency is not asked for on the form.
Open pilot clause is generally low enough any but the wettest behind the ears CFI wouldn't have the hours, at 250 I believe. I'd have to check that one.
Basically appears to be structured to keep new Private Pilots or low time CFIs who want coverage as PIC from borrowing or otherwise being covered as PIC without being named and having 100 hours in airplanes plus the 10 in type. This could hamper a non-Current pilot who needs the CFI to act as PIC with a low time CFI, but they could be added as named insured if they had 100 + 10 in type. Not too many CFIs are that low.
PIC is the all-important key item, in all the policy wording. PIC must meet the policy requirements.