I think the $15K you refer to is for the SR22 w/ a hull value of $350K
with
low time, non instrument rated pilots/students.

Well, I don't know if 500 hours is considered "low-time". But if what you
say is true, tripling the insurance rates simply for lack of an IR seems
ridiculous, given the fact that the couple in question is on their third
plane -- all accident/incident-free. Many years of perfectly safe VFR
flight, in three different planes, should count for something.

Insurance people drive me nuts.
--
Jay Honeck
Iowa City, IA
Pathfinder N56993
www.AlexisParkInn.com
"Your Aviation Destination"