this post got me thinking............
so i called my insurance company and got a quote for a 1995 Velocity FG (hull value of $60K).
i got a quote for $1638/yr.
i also did a quote for $55K hull and it was $1601.
i made comment that it seems things are driven by hull value only, and was told with my "experience and ratings", that was a true statement. (i am a 3400 hour ATP/CFI)
so given all of that, it seems there must be some point in the insurance "world" where YOU as the pilot transition from a liability (thus added to the hull insurance) to just a pink body in a hull (that is insured). i dont know where that transition point is, but i would imagine it is with high time in make/model and total time.
what am i saying? get more time. ESPECIALLY is someone is quoting $6K for insurance. when i read that, i almost fell out of my chair (literally, i was leaning back and almost fell over )
anyway, something to think about:
my friend is insured as a part time flyer on an RV (because he has low time) while the "owner" (who has a TON of time) is the "primary" insuree (is that a word??). seems similar to what i did when i was a kid and was a "part time" driver on my parents policy.....
something to think about........i hope it helps..
Jeff