Type of insurance-part time training
 

I have a gentleman that purchased a C182 and wants to resume his flight training in this aircraft. To my knowledge, he would not require any additional insurance on his aircraft.

Now, my question is, what if I did some additional training in his airplane on the side, such as BFRs, IPCs, or even picked up an instrument student.

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.

Better read the fine print, aviation insurance is not as simple as auto ins.

The owner is probably covered while receiving instruction from you.

The CFI might be covered, or might not.

But the policy may allow subrogation...where the insurance would pay the owner's claim but then turn around and sue any other parties who might be responsible for the damages. Owner screws up a landing, ins pays to fix the airplane, but then sues the CFI who should have prevented the mishap...this could happen even if you are not on board while he's soloing.

If you are going to rely on his insurance, you'll want to be named on the policy and have no subrogation language.

And what if the owner doesn't keep the policy current? Having a copy won't help you if he didn't make the payments or subsequently changed the policy.


The previous post explained the issues with for-hire operations.

I would want my own insurance for any CFI work I do.

Good info from Rickair. Also keep in mind many CFIs only take out liability insurance not hull (typically more expensive). Hull is what's needed when the AC is damaged and there's subrogation.