Insurance Woes !

[Flyin Farmer]

I am having trouble getting my required dual time in a kit Fox they require 0nly 1 hour dual if I waive my hull insurance of which I have acquired .5 then there was an accident which claimed the life of my instructor and things have been in limbo ever since. Is there a CFI out there with a Kit Fox who could help me get my required time? I have completed my model 111 and I am ready to test fly, very frustrating to say the least. I am open to any ideas or thoughts but afraid to fly with out at least liability insurance coverage. Thanks Greg. ps. I live in central PA

[fastfred]

I made it flycation and went to stick and rudder in Idaho and did up right. Many of us will highly recommend it. There are also several of us in the northeast that went through the same thing and I don't think there is anyone with a factory SLSA and is a CFI in the Northeast. I also pressed the insurance company for the exact wording and they said I could use any CFI for the type aircraft like single engine land tailwheel.

[beeryboats]

I have worried about the insurance myself. I'm to the engine break in stage of my IV rebuild. I have over 100 hours of taildragger time, but none in a kitfox. And it has been way too many years since my last bi-annual.
I always wondered how my dad got insurance in is Baby Great Lakes for both of us. It was single place. What's interesting is my dad just bought the same Vagabond I learned to fly in last year. It had been 34 years since I flew that airplane last and it was like getting back on a bike. Every landing was perfect. So what would the insurance company do in that case? Not only is it the same type of aircraft, it's the exact same aircraft! Dad even gave me left seat, the side with the only brakes. That's trust! And those of you doing the math, Dad is 89 and still flying.

[avidflyer]

My flying partner was just pricing insurance for the Aeronca Chief we own together. Quote from Falcon was 1250 for 22,000 hull ins. Another friend said his Luscombe is about $750 for $17,500 hull value. He has Butler Brown Ins. We tried them, and got a quote of $770. I had never heard of them till a couple of weeks ago, glad I found out about them. JImChuk

[Shadowrider]

Who is the underwriter do you know?

[avidflyer]

I don't know, I wasn't involved in getting the quote. JImChuk

[Flyin Farmer]

Thanks for all the replies it seems I have reached a compromise with the insurance co.I can test fly my kitfox with reduced liability and no hull insurance for 10 hours after which my original policy will resume not exactly what I would like but will get me flyin.I understand they are assuming a risk but they are getting well paid for it and have us at their mercy.For those wondering my premium is a little over 1400.00 a year for 1000000 liability and 25000 hull

[efwd]

My insurance required 1 hour of time in type, not necessarily a KF, before first flight. Interestingly, they wanted more than twice the annual premium ($5000 to be exact) to cover the plane during the first 10hrs. After ten hours, my plane became covered under the policy. I didn't purchase the coverage for the first 10 hours. I suspect I will have over 200hrs of tailwheel time, all in Kitfoxes, when I renew next March. I'm really curious how much my premium changes, if any, as they claimed it would when I had more hours.

[fastfred]

I agree call your agent and tell them your problem. Mine said any CFI with time in your type aircraft can go with you but I had to press them on it. And get it in writing.

[aviator79]

For most intents and purposes regarding flight experience, "type" and "make and model" are synonymous. I only point it out because if you need to file a claim, and you disagree with the underwriter about the meanings of these words, you're probably not getting paid.

I was able to find a $1500 policy that covered me from my first flight. I thought that seemed high, but now I feel lucky to have been covered at all. I too was told that the rate would probably be significantly less once I had 100 hours make/model. I'll definitely be beyond that when it's time to renew.