Recently, Vishvas Vasuki posted:

Hi,

Does either option provide any insurance for you?

If you are a part owner in the plane, make sure you are listed as a
'named insured' on the insurance policy (or that the policy includes
a 'no subrogation' clause). This will help prevent the insurance
company from coming after you in the event they pay the club for a
claim.

Will you be responsible for any deductibles in either case?

Thanks for the insurance warnings. I will check them out.

The university club web-page says, "As a member of the CFC, you
will become an equal owner of our aircraft. All aircraft are
maintained to the highest standards and we carry excellent
insurance." But the university club's constitution has this to say:

"Section B - Financial Responsibility

1. A flying member operating a Club airplane shall be totally
responsible for any damage occurring while the airplane is in his/her
custody.

2. A flying member's responsibility shall begin when the airplane is
untied or accepted from another member, and continued until it is tied
down or turned over to another member.

3. If damage should result from a mechanical defect or other factor
beyond the control of the member concerned, the flying members may
elect, by majority vote, to share or absorb completely the resulting
cost, depending on the circumstances of the individual case."

I'm hard pressed to see any advantage to this insurance coverage, and
would consider it a requirement to carry your own insurance. Factor in
that, and the costs come closer to or exceed that of the other flying
school, depending on the number of hours that you fly.

But I have not yet found insurance information at the other flying
school (Northampton Airport) online.

That may be an important difference. If their coverage is no better than
the university's, that will also imply that you obtain your own insurance.

Regards,

Neil