Mark James Boyd wrote:

Kirk Stant wrote:

I agree; the price of the glider has nothing to do with it; that's
what insurance is for (heck, out here landing out and breaking your
glider is a time-honored method of moving up to something nicer!).


I would guess that the insurance premium for expensive gliders is
er..more expensive. And if you have a claim (or several),
your insurance goes up. The more expensive the glider,
the bigger the claim, and the bigger the premium increase.

The premium is not a constant percentage of the glider value, because it
costs just as much to repair the wing of new ASW 28 as an old ASW 24.
These less-than-total-loss claims are the big majority of payouts. In
other words, the more expensive the glider, usually not a bigger claim.

There is a chance of a greater total loss, so the premium is a bit
higher to account for that. For example, my ASW 20 C insured for about
$900 (value $35K), but my ASH 26 E insured for $2K (value $110K).

I have no idea how premium increases are affected by the insured value.

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Eric Greenwell
Washington State
USA