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DID YOU KNOW having a builder policy doesn't guarantee full flight coverage later on?

LRingeisen

Well Known Member
You?ve spent the past several years building your aircraft and now you?re finally done. Congratulations!! Now, don?t let a surprise insurance requirement get in the path of you flying. One thing to keep in mind as you are building your RV or any other type of experimental aircraft, is that there are a limited number of companies that will quote an aircraft during the flyoff period. Of those companies, they all want you to have some time under your belt. Policies are rated off of the pilots total time and hours in the specific make and model. Having a low time pilot on a brand new aircraft is going to make for a difficult quoting process. We?re not saying it can?t be done, but it does limit our options. If you can?t get some time in the same model you are building, getting time in a similar model may help. Keep in mind, insurance companies do not see tailwheel time and tricycle gear time the same. This means if you have a tricycle gear Vans model, build up some hours in another tricycle gear model. The same goes for tailwheel models. We hear people tell us a lot that tailwheel aircraft are more difficult to manage so their hours should count towards their tricycle gear time; however, the insurance companies don?t see it the same way. If you?re not sure what to do, your broker can always get a quote for flying coverage so you have an idea of what the insurance companies are going to require for transition training. Always remember that is just an estimate because insurance changes all the time and quotes are only valid for about 60 to 90 days.
 
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