My experience is that hull premium scales almost directly proportional to insured value. As I recall, through Costello, it is about 1.5 to 1.8% of insured value to obtain in hull coverage (ground and in motion) for a year. This is based on a sample from early fiberglass sailplanes up through a complex two seat motorglider. I can't readily find my data on motor versus non motor for liability, but on all my gliders, liability coverage is the same, regardless of model. They may have messed up on my two seater, as I think the premium is the same on it for liability as it is on the single seaters.

If you are with Costello, and paying more than 1.8% of insured hull value per year, you are probably flying a plane that has had more claim dollars paid. I guess I am lucky that I am the dataset for most of my planes!

Steve Leonard