Eric Greenwell wrote:
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.

Eric Greenwell

Perhaps I have overstated the effect of a higher price glider on
caution. Thanks for the figures! I'm a bit surprised.
I'd have thought insurance would be more expensive than what
you have noted.

But then again, I'm still not quite to the point where I'm
ready to voluntarily land off-airport in ANY glider.
I'll need to do a few retrieves (of OTHER pilots)
before I get to this stage...