Having shopped around for insurance and held policies with several
different insurers, for several different aircraft, I have found that
Costello is currently the best in terms of price, coverage, and
flexability. I've had Avemco and Pik West but Costello saved me the
most. I also had no trouble placing it in "winter storage" for four
months. With Costello, you have to state the exact dates you want to
have the glider in non operative flight status. They then send you a
refund on your premium. If you wish to fly your plane sooner than when
you anticipated, it's $50.00 to re-instate your policy and you have to
pay your regular premium for the dates of coverage. As you have more
years of claims free experience with them, the rates drop to a maximun
of 25%.

If I remember correctly, the number of flights and/or hours you have
in 35:1 has quite an impact on your premium. The ASW-15 is probably
considered around that performance. Also if you hit 70+ yrs of age,
you take a hit on the premium. Personally, I found it was worth
having the trailer on the policy.

I'm not an insurance guy but just a regular consumer who has shopped
around for a few decades.

Barry