Insurance Requirements

N33354 (Piper PA-32-300)

The policy covers:

Any Flying club member who meets ALL (emphasis added) of the following requirements:

1. has a Private, Commercial, or Airline Transport certificate;
2. has a current effective medical certificate;
3. satisfies the FAA's flight review requirements;
4. has at least 200 hours total logged time;
     a) At least 5 hours logged pilot time in the same make and model as the insured aircraft if the pilot has 25 hours more in aircraft with horsepower equal to or greater than 210;
     b) At least 10 hours logged pilot time in the same make and model as the insured aircraft if the pilot has less than 25 hours logged pilot time in aircraft with horsepower equal to or greater than 210;
5. has at least 3 hours logged pilot time in the same make and model as the insured aircraft in the preceding 180 days, or has taken and passed a currency check-out in the insured aircraft and obtained written approval from a Certified Flight Instructor in the preceding 45 days.
6. has received a check-out from and written approval of a Certified Flight Instructor in the same make and model as the insured aircraft.

N80854 (Cessna Cardinal C177RG)

The policy covers:

Any Flying club member who meets ALL (emphasis added) of the following requirements:

1. has a Private, Commercial, or Airline Transport Pilot certificate;
2. has a current effective medical certificate;
3. satisfies the FAA's flight review requirements;
4. has at least 150 hours total logged time;
5. has at least the following logged pilot time in the same make and model as the insured aircraft prior to acting as pilot in command:
     a) 10 hours if you have less than 50 hours total logged flight time in retractable gear aircraft, or
     b) 5 hours if you have 50 hours or more of total logged flight time in retractable gear aircraft, or
     c) 1 hour if you have more than 500 hours total logged flight time and more than 100 hours in retractable gear aircraft.
6. has at least 3 hours logged pilot time in the same make and model as the insured aircraft in the preceding 180 days, or has taken and passed a currency check-out in the insured aircraft and obtained written approval from a Certified Flight Instructor in the preceding 45 days;
7. has received a check-out from, and written approval of, a certificated flight instructor in the same make and model as the insured aircraft.

With all planes

A member may receive dual flight instruction in the insured aircraft from a certificated flight instructor to meet these requirements.

Comments from the Board of Directors:

We were recently asked 2 questions about these requirements.

How much of the time in make and model (assuming it will all be done in the club's plane) must be with a CFI vs. a club member who is current?

Based on what the policy language, all the 5 or 10 hours (as required) must be with an instructor. Likewise, if you are no longer comply with the currency requirements, your flight time required to get current must now be with an instructor.

What is meant by the same “make and model of the insured aircraft”?

Make is the brand of Plane (i.e., Piper or Cessna) and model is the plane’s number (i.e., PA-32 or C-177RG). This means if you have hours in a 260 hp Cherokee Six, that would apply to the requirements (it is a PA-32). However, time in a fixed gear Cessna 177 will not qualify, as it is not the same model. Even if you have the insurance-required PIC time, you must still have a check-out in each individual plane by a club-authorized instructor, per club rules.