After the first year, I changed my insurance expiry date to Oct 1, and then initially insured it for only liability. Then the following year, I would upgrade the insurance to full hull for July 1, giving me full coverage for the 3 remaining months to Oct 1. This way I had full coverage during the months when I would fly the most, and go on trips. During the other 9 months, most of my flying was local, so definitely less risk.
They don't like it, but I guess decided 3 months of extra income for them is better than nothing. If you tried to do it the other way around, ie get full hull and then cancel it at the end of the summer, they won't do it.
The 3 months hull coverage cost me just a little over $1000 for the Rebel, which is a lot less than the over $4000 for the year. I have done this for a couple years now, and at this point in my flying, am even considering whether I want to continue with the 3 month full hull. The savings can definitely add up over time and pay for a serious prang-up. And with a Moose this would be even more.
And the Rebel is such an easy and forgiving plane to fly on amphibs, much more so than on wheels as a taildragger. Just don't ever have that gear in the wrong position for a landing.
Walter
----- Original Message -----
From: Mike Davis <mike.davis@dcsol.com>
Date: Wednesday, November 3, 2004 9:26 am
Subject: Re: Insurance
How to getInsurance,
Now we are talking the real meat of the float plane problem.first yearinsurance? I am just starting to look again for 2005. Theon type,(2003) COPA decline me haul insurance because I needed 20 hoursagain. Whenso thanks to a friend I went out and got 30 hours and triedneed 100I applied again they just flat out refused haul coverage - said they
were not comfortable with the Moose. In 2004 they said I nowtime andhours for haul insurance. So now that I have 200 hours of floathave flowabout the same on the moose and I will try again. Now that I$10K a years would replace a lot of bent skins!2 years with no haul insurance and saved the 10K a year I might be
tempted to try my luck another year.
Mike
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