That ratio seems high - my ratio is 36 (for a LS-8). A simple ratio might not be a good metric. Much of the cost of the insurance is for liability, which won't change for glider type. So, if you have a less expensive glider the ratio could be low, whereas if you have an expensive glider the ratio could be high.

Yes, I'm insured by Costello. I shopped around 5-6 years ago, and Costello was the cheapest. Plus, I like their policy on using your own glider's insurance to cover rental gliders. But YMMV, as others have found.

-John, Q3

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On Thursday, November 23, 2017 at 12:46:19 PM UTC-5, LAX wrote:
Is everyone insured by Costello Insurance?
I am purchasing a glider and it comes down to this, the annual premiums I was quoted are approximately equal to the cost of the glider divided by 16.. That is my annual payment. In other words, if I don’t have insurance, every 16 years I could buy a new glider with the money I don’t on insurance.