At 20:10 04 November 2008, Frank Whiteley wrote:

I'm not sure about the other plans, but your flying (in-motion) hull
coverage is the equivalent of renter/non-owner insurance up to your
hull limits under Costello. However, if you put it on winter lay-up
(ground only), you lose this protection during that period. Some
clubs have high deductibles for operating club gliders and encourage
members to have renter/non-owner coverage.

I'm no expert on insurance, but this issue has been discussed
in our club, and I don't think it works the way you are describing.
The problem is, at least for clubs, that each individual member
is, in fact, an owner of the club gliders. So renter insurance
isn't going to help you at all. In the case where your own
glider and the club gliders are both insured by Costello, I
have no idea what rules would apply.

Anybody who understands the situation better, feel free
to correct me. I wouldn't like people to assume coverage
and then find out when it's too late that it doesn't apply.

Jim Beckman