Doug Hoffman wrote:

insure you at all. One big factor is going to be the number of hours
you have in over 35:1 gliders...

Marc is right about this one. I paid a higher premium at first with my
RS-15 (L/D=38) because I was a low time pilot in "anything" (about 20
hours).

Higher premium because of low time in "anything" may make sense, but
because of low time in over 35:1 certainly doesn't.

Stefan