Your 'logic' as to why your premiums might be lower notwithstanding,
someone is going to write the policy, and it most likely won't be a
reader of this newsgroup. Why not ask the real experts, those who
actually write policies?

I am pretty sure no one here with the resources to do so would be
willing to accept the 'bet' you are proposing -- ie, that as a not
very frequent pilot your exposure is less and therefore so also should
be your premium.

This reminds a little of some of the threads involving MX: the likely
answers are offered to you, you're offering counterarguments. That's a
lot like arguing with a clerk in a store who does not have the power,
authority, or even interest to change policy, one needs to talk to a
manager to do that.

The 'managers' in this case are those who write policies. What have
they told you? If you find the offers made to you as unacceptable,
this is not a search for information but a rant. Rants are OK but
don't call it anything else.

If you haven't asked a broker, someone who has real information and
the authority to write policies, I'd have to wonder about your
motiviations.

TIna

..,






On Jul 15, 1:01 pm, Justin Gombos
wrote:
On 2007-07-13, Robert M. Gary wrote:

On Jul 11, 7:09 pm, Justin Gombos
wrote:

I'm figuring air time to be directly proportional to risk.

Inverse. The more you fly the lower your insurance rates. A guy who
only occassionally flys on the weekend is quite a large risk
compared to the semi-pro filying day in and day out.

Just to clarify, I'm not talking risk per hour, but rather net risk
per annum. If air time were inversely proportional to risk (which is
what others have suggested), then you could expect 730 days of
insurance coverage to cost less than 365 days of coverage. That logic
can take us as far as yielding a lifetime of insurance for less than 1
year of premium. It's *net* risk and *net* cost that's relevent here.
If the insurance market were sufficiently saturated with competition,
insuring 150 days would cost a pilot more per unit time than 365 days,
but the net per annum would be *less*.

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