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Bill Hale wrote:
: The policy covers the NAMED insured. All the "open pilot" clause does
: is make sure that the NAMED insured is covered if the open pilot
: damages it.
: What protection does the open pilot have? None. He is not insured
: as
: the NAMED insured is. The ins co might even sue him to recover
: damages for the NAMED insured. Keep that in mind if you are an open
: pilot. In your role,
: you should really be named in some way on this insurance.

I thought that too. I asked my insurance company, and they said that even if
you are NAMED on the policy, *you* are not covered... just that the aircraft is. They
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If you are NAMED but not an owner, then you are covered for liability. Since
the owner OWNS it, the airplane is still covered. The $$ to fix it
would go the the owner.

The total liability coverage remains the same: If you and the owner both get
sued, there's 1/2 each. That's why they don't like lots of named insureds.