Help,I need help finding insurance it seems that they don't want to insur a student that has more then 50 hours.I just got my pacer and i can't get insurance.I need to get it home the cfi that going to fly back with me told me it would be a good idea to have insurance.Can any give me some info.THANKS BEAGLE

Who have you talked to?

FALCON,aopa,iga,avemco,cs&s&n.a.i.a.

Try callin' a broker who is working with many underwriters like Travers & Associates, Costello and Associates, or Southwest Aviation Insurance Group.

http://www.traversaviation.com/

http://www.southwestaviation.com/

http://www.gliderinsurance.com/COS_MAIN.html?layout=GLIDE_MAIN

You may have to make some compromises to get insured in your current situation.

Do they really say that the issue is you having more than 50 hrs?
When shopping for my policy, I made sure I could insure a student on my aircraft. Southwest Aviation (on Doug's recommendation) came through with an AIG policy for that. Now I'm wondering if I need to review the policy to make sure that covers solo flight.

Beagle or Beagel? Which is it, Beagle? You want me to change your username or what?

Yes switch my name,if i can't insurance owell i will still fly.I just hope i can take my check ride with out insurance.beagle

If you go through Avemco they can have you insured in a few minutes rather than days since you are not dealing with a broker getting quotes. Avemco is usually good dealing with special situations and have competitive rates. Big drawback is they don't insure commercial.

Most all quote on total PIC time with specific requirements for different aircraft. You need to check their open pilot clause. If they don't allow this you will need to list each pilot flying your aircraft individually along with experience and times, including your CFI. Some companies will allow you to list up to five named pilots.

If your CFI or Designated Flight Examiner find out your flying uninsured don't be surprised if they drop you like a hot potato.

If you have an accident during your student training the liability falls on your CFI.

During a checkride the regs have you in a catch 22. They specifically state that you are the pilot in command even though you haven't actually obtained a pilots license yet, nor are you allowed to carry passengers as a student. FAA's round about way of saying you can't hold them responsible for anything that happens during your checkride.

Whatever policy you get, read it thoroughly when it arrives, making sure the coverage your paying for applies to your situation.


jmtgt,
Did Falcon have any restrictions on unimproved/off field landings or commercial.

If you don't mind me asking what rate did they give you compared to Avemco? Having to go to an underwriter in London sounds expensive.

Wonder why Avemco is so down on the Maule

Getting Insurance seems quite whimsical. Normally Avemco who is not a broker but a direct insurer is higher than all the others for Maules and then just to fool you they will do a ridiculously low quote once out of 50. Aopa as a broker could not get me insurance atall for a Maule though I am the dealer and have thousands of Maule hours with no claims. I turned to Hayes Utley, a general broker who got me covered with AIG who had declined AOPA???. I'm presently covered through Gustafson Ins in OR. At a Maule dealer meeting 2005 an insurance broker produced some interesting figures from Global from 2002 which showed that for each $100 taken in they paid out for Huskys $455, C185 $257, C180 $95, Maule $152, C170 $$66, Trigear Maule $6,. Global dropped Husky for a bit after that. Its all in the math, the insurers use the premiums to invest in businesses or relend and can afford to pay for some of our mistakes and in some cases, false or padded claims.
Basically, it is up to us to avoid at all cost the need for a claim, to bring the premiums down. Fly safe, the plane did'nt go off the runway, the pilot went off the runway!!!

Thanks every one I think I think I will try a little harder.were I will keep the plane when they have a hanger for me is BEAGLE air stirp.It's a grass strip 3,000 foot long and one way in one way out.When I pick the plane in june,14 at slc u42 the cfi going to take me in to johnson creek .That why I realy want to find some insurance.The BEAGLE group going to be there.IF Any one want to come we should be there the 17 of june.I going try my to try to come to the fly in in july maybe .AGAIN thanks every one for the help.BEAGLE.PS thanks zane .

Good news,MY cfi called me and told me to call avemco back so I did shelly said she would start my insurance up anytime.For me and my father it would be $1,449 a year.I don't know what my cfi said but shelly said she had a mistake the fist time i called.At list I coverd now I'M a happy camper now.Thanks every one.BEAGLE

Not bad, my premium on my 170 was $1,350.

jmtgt,

Sounds like you might want to call Avemco and talk to Shelly too. Beagle has less time, no license, no hangar and he got a better rate by $600-700.00?

Somethings screwed up there.

Beagle,
What amount of hull coverage, liability and deduct did Shelly quote you on?

Doesn't seem fair....Avemco seems to love insuring Super Cubs, Citabrias and Huskys. Must be something significant for them to single out the Maules.

...some interesting figures from Global (Aerospace) from 2002 which showed that for each $100 taken in they paid out for Huskys $455, C185 $257, C180 $95, Maule $152, C170 $$66, Trigear Maule $6,. Global dropped Husky for a bit after that. Its all in the math, the insurers use the premiums to invest in businesses or relend and can afford to pay for some of our mistakes and in some cases, false or padded claims...

From Jeremy's post above, and worth repeating. Seems odd that Avemco would have no troubles insuring Huskies but a big problem insuring Maules. Maybe the insurance roles we're reversed for these two companies for a couple of years.

The payouts alone explain why my insurance rates have gone up 40% over the last three years.

HOWDY EVERY ONE,Just some info I have over 85 hr plus but all my time is colt,c-172and lots of 170 time.On a hanger steve at beagle aircraft is going to build some hangers.Also I have t-28 time in Al eitenger plane he has gave me lot of good training but he sold it but has a Yak.The thing shely told me is I need is 10 hr with my instuctor.I don,t know why they don't like to insur maule there a good aircraft.beagle PS, My dad is on the policy.

Waaah!! All those sound like dream prices for me!! I paid €6,000 last year for mine, and that being the pilot a comercial one, with more than the required 300 hours and 50 on type. An it wasn´t because of the "Reims Rocket", as the tiny PA-28 by my side was paying something like €5,000. Man, if I could get one of those $2,000 insurances I´d be a haaaaaaaaaappy boy!! That´d be a $5,700 saving per year with the actual currency. Anyone has any question about why flying in Europe is way more expensive than flying in the States?

By the way, good you found a cheap policy even for being there!! And good you have your Pacer!! Congrats!! We have only had 7 between Pacer´s and Tri-Pacer´s, as far as I know, in Spain in our whole history so if you want it to be exclusive, just take it to Spain!!

Jose

I pay just gas to fly.


I know it is sick....I think the insurance is about 1500 on the A-36 and about 1200 on the Pa28-181. I just keep em running. and the owners let me fly em for the gas. They pay every thing else money wise... So I pay a few weekends of time.
(Edit: I have my IFR thingy, though I'm chicken. and only use it for light weather. Hey, motorcycle riding was enough.)

I have 500hr in the piper and about 250hr on the A-36, with 1200 total. Not a bad deal.

My goofy education has really been good to me.

There is a pretty active "industry" rebuilding many rag and tube airplanes. I haven't heard of many folks rebuilding badly damaged Maules. I have seen a few refurbished ones, just haven't seen many that have been wrecked and rebuilt. Maybe that has something to do with it.

I've been told one of the reasons that Alaska and seaplane insurance is so high is that a very high percentage of the losses are totals, as compared to rebuildable, plus the cost of recovery.

Maybe the cost of recovery is factored in there as well.

I'm sure every insurance company has their own somewhat different payout experience.

Also, I was told that some insurers (especially the ones that bid on the floor at Lloyds--in other words, most Alaska insurance) also "pool" various risks, sometimes ones that are not related at all. A while back a friend got a HUGE hit in his insurance cost on a Helio. Talked to the insurance company, who did some research, and found out that they'd pooled his insurance with a bunch of jets, and they'd had a bad loss or two the previous year. I don't know if that's really true, but he was able to talk them into bringing the cost down considerably.

Insurance is not a fun topic, and I doubt if anyone will ever actually understand what all plays into it. Sometimes, I think they just throw the dice and see what happens.

MTV

For the past few years insurance companies have also been allowed to adjust your premium according to your credit rating, even if you pay the yearly policy in full rather than make quarterly payments. This pertains to all kinds of insurance, not just aviation.

Beyond me how they figure your credit rating into their risk potential but it's there none the less.