Originally Posted by
Fourpaw
Where does the line get drawn for needing to have additional insurance on the airplane? I do know that I will upgrade my personal CFI insurance, but that is no big deal.
Thanks!
The line gets drawn at non-owned training. My wife can get added to our 172 as a student pilot fairly cheaply because she's an owner . Once you have someone paying for/receiving training that's not an owner you're a flight school. You will get a break on insurance if you're not doing primary - i.e soloing students.
The other thing is if he's "renting" the AC to a non owner for you to provide training (and receive compensation) the aircraft will need 100 HR inspections in addition to the annual - which he currently does not need even as a student pilot. You usually have an open pilot clause on any insurance policy; however, it typically does not apply to student pilots and sometimes excludes training. Best thing is contact the agent and get their perspective. Classifying it as a flying club will also get a better rate but there's usually a max number of pilots - i.e. if you're doing 20 ratings a year you're a school.
You need a clear understanding of the business relationship between the owner and the other pilots.