On Wednesday, July 15, 2020 at 12:29:32 PM UTC-4, son_of_flubber wrote:
Just brainstorming and my apologies if this seems insensitive, but I've been thinking that in the interest of keeping premiums affordable, I would accept an insurance policy that voided my hull coverage if I died in a flying accident. That feature would reduce insurance payouts.

The primary reason that I have glider insurance is the liability payout should I injure someone else on the ground. I would feel obligated to compensate the injured party so 'asset sheltering' would not work for me. I would accept a liability only policy.

The weak secondary reason that I have insurance is to replace a totaled glider, though I would probably quit flying altogether if I totaled my glider while flying. I'd want to get another glider if my glider were totaled by a wind storm or highway accident.

You make valid points regarding coverage and incurred damages. I would like to get the insurance pay out for damages comparing club to private ships for the last 24 months I think it would be very telling.
Our property owner at TCSC requires us to have a one million liability as provision for operating . Individuals are asked to do the same for private ships. I carry the same liability on the Pawnee's. Bob