Rent plane from another private pilot?

My policy specifically says that I cannot rent to named pilots. I guess
they consider "renting" to be commercial. However, more specific to the
original poster, he can buy his own fuel and even help out when it
comes time for maintenance. I think the word "renting" set off some
alarms within the newsgroup. However, if you actually talked to the
agent about specifically waht you want to do, I'd be it wouldn't really
be considered "renting".

Also, as a side note, do **not** be mis-lead by talks of "open pilot
clauses". All policies appear to prevent coverage when pilots flying
meet the open pilot requirements but have regular access to the plane.
Open pilot is really just for an occasional once-in-awhile thing. My
agent says that most insurance companies will not consider someone to
be "casual use" if they have their own keys. Going by your friends
house and gettnig the keys each time is probably the only way to be
considered "casual".

-Robert

Robert M. Gary wrote:

Also, as a side note, do **not** be mis-lead by talks of "open pilot
clauses". All policies appear to prevent coverage when pilots flying
meet the open pilot requirements but have regular access to the plane.
Open pilot is really just for an occasional once-in-awhile thing. My
agent says that most insurance companies will not consider someone to
be "casual use" if they have their own keys. Going by your friends
house and gettnig the keys each time is probably the only way to be
considered "casual".

Another misconception about "open pilot" coverage is that the "open
pilot" is covered. That's not generally the case. Under most open
pilot clauses, the owner is covered for damage and liablility caused by
the open pilot, but the pilot himself is on his own. If you fly an
aircraft under an open pilot clause, you'd better have a policy that
covers you.

John Galban=====N4BQ (PA28-180)

I'm not sure what "generally" means but subrigation is very much over
reported.

Robert M. Gary wrote:
I'm not sure what "generally" means but subrigation is very much over
reported.

"Generally" means in every insurance contract I've had over the last
15 yrs. with most of the available underwriters. I can't speak for
every underwriter or individual policy. You have to read your own to
be sure.

I was not referring to subrogation. I was referring to the fact
that the insurance on the plane covers the owner for damage and
liablility caused by the open pilot. It does not cover the open pilot.

A quick example would be that you borrow your friend's plane under
the open pilot clause and crash it into a house. The homeowner sues
you (the open pilot) and the owner of the airplane. The insurance
company will cover the pilot and pay out, or defend him if necessary.
You (the open pilot) are on your own.

John Galban=====N4BQ (PA28-180)

John Galban wrote:
The insurance
company will cover the pilot and pay out, or defend him if necessary.
You (the open pilot) are on your own.

Sorry, that should have read "the insurance company will cover the
owner...

John Galban=====N4BQ (PA28-180)

: I was not referring to subrogation. I was referring to the fact
: that the insurance on the plane covers the owner for damage and
: liablility caused by the open pilot. It does not cover the open pilot.

: A quick example would be that you borrow your friend's plane under
: the open pilot clause and crash it into a house. The homeowner sues
: you (the open pilot) and the owner of the airplane. The insurance
: company will cover the pilot and pay out, or defend him if necessary.
: You (the open pilot) are on your own.

Another example, as I understand it, would be suppose you borrow the plane
under the open pilot clause and do something horribly stupid... taxi into a light pole
for instance. The insurance company will cover the aircraft and owner, but may go
after you for the damage. At least that's what I was told.... basically means
"open-pilot clause" isn't a good way to fly a plane.

-Cory

--

************************************************** ***********************
* Cory Papenfuss *
* Electrical Engineering candidate Ph.D. graduate student *
* Virginia Polytechnic Institute and State University *
************************************************** ***********************