Example, here in this or maybe the owning news group somebody wanted someone
to ferry his plane down to its soon to be new owner in my city. I said I'd
do it, just for the fun of it and $150 a day. That $150 would come close to
compensating me for my time compared to my day job, but is the going rate
for ferry services. But I was not about to do it unless there was insurance
coverage. The owner had the usual pleasure and business coverage.
Exclusion for transporting people or cargo for hire. Reading the policy, it
was not crystal clear that this ferry flight would not be commercial. This
was AIG coverage through the AOPA agency. The same company and agent
combination that I happen to have had on my plane for years with no claims
or issues. I called. The AOPA guy said this is done all the time. I asked
him to sign, or get AIG to sign, a simple confirmation letter I faxed him
and fax it back. A couple days went by with several follow up calls asking
where's my fax? Well turns out that no one at AIG wanted to authorize that
letter. Finally I got someone at AIG to say they think this is a commercial
operation after all. So the owner ended up getting the plane down here some
other way, I guess.


Another datapoint - I have AIG coverage and they exclude aerial photography.
Well, does this mean commercial photography (and its attendant risks) or am I
out of luck if some passenger has a camera and takes a picture? My agent said
that passengers (or even me) taking pictures is fine - they are after
commercial operations (which are excluded anyway). So I asked them to sign off
on it. They would not, and the end of it is that AIG says that if there is a
camera on board and there is a crash, I'm not covered.

Jose

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