Renters/CFI insurance questions...

[gkrangers]

I have AOPA renters insurance right now. I need to renew it in the next few days.

However, I'm going to become a CFI in the next 2-3 months.

What kind of insurance do you recommened?

 

[atrdriver]

I have AOPA renters insurance right now. I need to renew it in the next few days.

However, I'm going to become a CFI in the next 2-3 months.

What kind of insurance do you recommened?

I believe that ALPA also offers commercial/CFI insurance...a little more expensive, but available. I would also get an umbrella policy from your normal carrier that will cover any lawsuits, etc.

 

[midlifeflyer]

AOPA, AVEMCO and NAFI all have CFI insurance available. For the most part the policies look exactly like the no-owned aircraft (renter) policy you have right now, but with a special endorsement that covers you when acting as a CFI.

Keep in mind that this is insurance for acting as a CFI in someone else's airplane. Teaching in your own airplane is, from an insurance standpoint, a whole different ball game.

 

[gkrangers]

AOPA, AVEMCO and NAFI all have CFI insurance available. For the most part the policies look exactly like the no-owned aircraft (renter) policy you have right now, but with a special endorsement that covers you when acting as a CFI.

Keep in mind that this is insurance for acting as a CFI in someone else's airplane. Teaching in your own airplane is, from an insurance standpoint, a whole different ball game.

So would having one of their basic CFI non-owned policies cover me if I just went and rented from an FBO, not giving dual? Just a private for fun flight.

 

[Doozer]

The AOPA policy did, when I had one about two years back.

Insofar as they're competing for the same business, I believe the AVEMCO and NAFI ones do too.

 

[midlifeflyer]

So would having one of their basic CFI non-owned policies cover me if I just went and rented from an FBO, not giving dual? Just a private for fun flight.

You gotta check to be sure. Unfortunately, unlike auto insurance, aircraft-related insurance is not heavily regulated and the policies are not standard.

But, as Doozer suggests, the answer is typically yes - the CFI policy includes general renter coverage.

 

[JediNein]

NAFI's insurance offers "errors & omissions", basically negligence protection.

NAFIs' CFI insurers don't quite seem to understand that when a CFI is around an airplane and it gets damaged, it is the CFI's fault. AOPA pays up without needing to get lawyers involved.

Their policy & AOPA's both cover CFIs as renters in non-owned aircraft and borrowers of non-owned.

YAVW.

Fly SAFE!
Jedi Nein

 

[gkrangers]

Thanks. I should probably take out a CFI policy instead of just renewing my non-owned, non-commercial policy...