"Kirk Ellis" wrote in message
...

Before I ask my question thought I'd throw out a few words on my
background. After nearly a lifetime of pent up desire to fly I finally
got my PPL in 1998 at the young old age of 45. Last week I just turned
55 and unfortunately in the last ten years I have been able to log
only about 140 hours total. I have not been able to afford to fly as
much as I'd like. But that's finally beginning to change and I am
getting ready to transition from the Archer III which I last flew
more than 15 months ago to a DA40 with the G1000. Admittedly I've got
some catchin' up to do.

You know...I shoot for about 50 hours a year, but like too many other pilots
I often manage only half that. I am a renter who pays nearly a thousand
hard-earned dollars a year for renter's insurance. At 25 hours a year, that
works out to something near $40.00 an hour just for insurance. I no longer fly
commercially and am now just a casual pilot, so at some point I am liable to
just give up on solo flight and bring along a CFI every time I fly. That would
transfer all of the liability to the flight school (who carries insurance
anyhow) and would put those dollars into the bank account of the flight school
and the pockets of some struggling new CFI rather than just making some
anonymous insurance company richer.

Am I crazy for considering this? (For reasons we won't discuss, flying
without insurance is not an option for me)

Vaughn