"C J Campbell" wrote in message ...
If you do find a private individual who is willing to rent his plane to you
for instruction, be sure to carry your own renter's insurance.

I doubt this will work. First of all the owner will have to add
insurance to allow the student to be training in his airplane. For my
plane it adds about $6000/year with a prohibitation on solo. Most
companies do not want to ensure commercial instruction insurance on
planes unless there are at least 3 airplanes on the policy.

I wish this myth of buying renters insurance would die. A renter's
policy ONLY covers situations where you can PROVE the renter was at
fault. The owner's policy will only cover those situations that the
policy allows for. I guarantee your policy only allows named insureds
to receive instruction.

So, if the "student" were flying the plane and the landing gear broke
on its own and totaled the plane, there would be NO insurance. The
student's renters' insurance would say, "Prove the student caused
this". The owners insurance would say "Prove a named insured or open
pilot was piloting" (almost all open pilot polices require at least a
private and sometimes an instrument rating).

My policy (AIG ) makes no distinction between who is PIC. It simply
says only a named insured can be "piloting" the plane. This means
there is no insurance if they think anyone else touched the controls.

-Robert