The insurance game is a bit hard to figure out.  Other pilots have quoted
higher and lower premium costs for the same,or basically the same,
aircraft
with very similar coverage.  Maybe its PIC time in that particular
aircraft,
or amount of PIC time overall.  The same mysterious principles apply to
all
insurance coverage; e.g., auto, home, life, etc., as far as I can tell.
For
example, the plane has a million dollars coverage, limited to $100,000 per
seat with respect to passengers.  So I don't have enough insurance to
adequately protect my self from an injured passenger.  A passenger could
sustain more than $100,000 in damages just slipping off the wing.
Additional coverage, if it is available, is probably very expensive.
Maybe
posting on a single spreadsheet the insurance cost for all Ercoupe, Alon,
Forney, and M10 aircraft would lead to a discount across the board (or an
increase), but I think the individual companies prefer to charge what the
market will bear on any given day.

Ken Doyle

I have wanted to put together a check list for Coupe insurance coverage
and
then get several bids.  But I understand that once you get a bid from one
company the others will not give a bid.

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