Robert M. Gary wrote:

Also, as a side note, do **not** be mis-lead by talks of "open pilot
clauses". All policies appear to prevent coverage when pilots flying
meet the open pilot requirements but have regular access to the plane.
Open pilot is really just for an occasional once-in-awhile thing. My
agent says that most insurance companies will not consider someone to
be "casual use" if they have their own keys. Going by your friends
house and gettnig the keys each time is probably the only way to be
considered "casual".

Another misconception about "open pilot" coverage is that the "open
pilot" is covered. That's not generally the case. Under most open
pilot clauses, the owner is covered for damage and liablility caused by
the open pilot, but the pilot himself is on his own. If you fly an
aircraft under an open pilot clause, you'd better have a policy that
covers you.

John Galban=====N4BQ (PA28-180)