Another Cirrus BRS deployment:

Hull insurance cost is a small percentage of hull value, and
thus
pretty high on ANY high value aircraft.

Liability insurance rates (which pay medical/death payments) do not rise all
that much as airplane values rise.

Hull values rise substantially as airplane values rise.

For airplanes in the economic class as a Cirrus, hull insurance almost
certainly costs more than liability insurance.

For a commercial insurance policy on my P210, full in-motion and
not-in-motion hull insurance costs 4 times the price of liability
insurance -- that is no exaggeration.


--------------------
Richard Kaplan, CFII

www.flyimc.com




Agreed Richard. All one has to do is check the hull premiums on a Pilatus or
Lear to see that. Higher value, higher premium. The bigger COST to the
insurance company remains medical/death payouts

Perhaps I didn't make myself clear earlier. What I was trying to convey was
that high insurance premiums are not specific to Cirrus - they are common to
all insured high value items.
Whether insurance companies will look at lives saved by the BRS patrachutes on
Cirrus & some retrofitted Cessnas & thus lowver the total premium, remains to
be seen

John

"ISLIP" wrote in message
...

Perhaps I didn't make myself clear earlier. What I was trying to convey
was
that high insurance premiums are not specific to Cirrus - they are common
to
all insured high value items.

How do Cirrus insurance premiums compare to other retractables with the same
declared hull value?


--------------------
Richard Kaplan, CFII

www.flyimc.com

"Richard Kaplan" wrote in message
s.com...
"ISLIP" wrote in message
...

Perhaps I didn't make myself clear earlier. What I was trying to convey
was
that high insurance premiums are not specific to Cirrus - they are
common
to
all insured high value items.

How do Cirrus insurance premiums compare to other retractables with the
same
declared hull value?


All Cirrus are actually fixed-gear.

"Thomas J. Paladino Jr." wrote in message
...

All Cirrus are actually fixed-gear.

Oops... slipped there... I should say compared to other "comparable
aircraft." It was in this thinking mode because it is hard to come up with
another example of a fix-gear single which insurers treat with strict
undewriting requirements.




--------------------
Richard Kaplan, CFII

www.flyimc.com

In article , ISLIP wrote:
Agreed Richard. All one has to do is check the hull premiums on a Pilatus or
Lear to see that. Higher value, higher premium. The bigger COST to the
insurance company remains medical/death payouts

Not only does a Lear hold more people than say, a C140, and costs a lot
more, when it crashes lots more stuff (and people) are likely to get
broken.

It didn't really surprise me when looking at NTSB reports, trying to
find out how people crashed C140s, so I didn't do something similar and
crash mine after I bought it was that there were so few injury
accidents. If you crash slowly, you're less likely to be hurt. Crash in
a Lear and for many types of crashes, you'll probably kill or seriously
injure everyone on board. This makes the 'fixing people' bit rather more
expensive.

--
Dylan Smith, Castletown, Isle of Man
Flying: http://www.dylansmith.net
Frontier Elite Universe: http://www.alioth.net
"Maintain thine airspeed, lest the ground come up and smite thee"