Insurance for flight training

[LH710]

I'm going to learn how to fly and contacted some flight schools in Quebec.

One school told me that the insurance included in the PPL training cost (aircraft rental) covers only damage to the aircraft. Another school's insurance covers liability against school and the third party.

Is there any insurance plan which covers injury/death of the pilot/passenger? My insurance doesn't cover "dangerous sports" including operating an airplane.

Thanks!

[CpnCrunch]

I'm going to learn how to fly and contacted some flight schools in Quebec.

One school told me that the insurance included in the PPL training cost (aircraft rental) covers only damage to the aircraft. Another school's insurance covers liability against school and the third party.

Is there any insurance plan which covers injury/death of the pilot/passenger? My insurance doesn't cover "dangerous sports" including operating an airplane.

Thanks!

Legally the flight school must have insurance all passenger seats ($300k per seat), as well as third party liability ($1M). [edited]

[ahramin]

I have never heard of a flight school that includes life insurance for their students. For one thing they would have no way of estimating ahead of time how much coverage to get.

I would have a discussion with your life insurance provider. It's been a long time since I saw any life insurance policy that didn't cover recreational flying. A quick web search will find you no end of insurers that offer pilots the same rates as everyone else. Your own insurance company may remove that restriction at no cost.

[ahramin]

CpnCrunch I think a flight school needs insurance for passengers and third party only, not pilots. CAR 606.02

the owner has subscribed for liability insurance covering risks of injury to or death of passengers in an amount that is not less than the amount determined by multiplying $300,000 by the number of passengers on board the aircraft

[CpnCrunch]

CpnCrunch I think a flight school needs insurance for passengers and third party only, not pilots. CAR 606.02

Yes, you're right:

http://laws-lois.justice.gc.ca/eng/regu ... tml#h-1062

Most schools do cover crew and passengers, and it seems odd that some schools wouldn't insure the crew. Victoria Flying Club has $5M liability for crew and passengers.

[photofly]

Most schools do cover crew and passengers, and it seems odd that some schools wouldn't insure the crew. Victoria Flying Club has $5M liability for crew and passengers.

I think you might be confusing liability insurance, for coverage against claims from third parties, and insurance for injury or damage caused to the student by the student.

If the student is hurt because of a defect in the aircraft or the instructor did the wrong thing or told them to do the wrong thing then the $5M policy might come into play. Or it might not. If the student is hurt because of their own fault they would have nobody to claim against on a "liability" policy and for their own losses would have to rely on their own health/life insurance. (However in this case the $5M policy might pay out damages claimed by the instructor or flight school, or someone else hurt.)

Of course sorting out whose fault an accident was and therefore whether a claim against someone else's "liability" policy will succeed isn't straightforward or cheap.

[JungianJugular]

Is there any insurance plan which covers injury/death of the pilot/passenger? My insurance doesn't cover "dangerous sports" including operating an airplane.

I applied for additional insurance coverage for flying to protect my family if God forbid something happened. A medical representative came to my home to perform things like blood work. As far as I know, most insurance companies can cover pilots, however you will need to go through the process. Dangerous sports? Never saw that on the application when I was filling it out. The best thing to do is call around.

[cap41]

When i renewed my life insurance, they asked approx how many hours per year I fly (recreational). I said no more than 80. There was no impact on the premiums.

[JungianJugular]

When i renewed my life insurance, they asked approx how many hours per year I fly (recreational). I said no more than 80. There was no impact on the premiums.

Just out of curiousity, how much are you paying for additional insurance for flying and what's the coverage?