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#41
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Libelle Driver wrote:
I don't think the price of the glider has ever been part of the calculation for landout spots. Many landouts that damage the glider are going to damage you. I looked up the past 60 accidents on the NTSB database. 11 Fatal 11 Serious 11 Minor 27 Uninjured 38 Minor or uninjured vs. 22 Serious or fatal. And in "most" of these reports, the glider had "substantial" damage (otherwise why report it if the dollar amount is less than $25,000 and there were no injuries?). I suspect 4-10 times as many damaging incidents (with no injuries) occur than the ones reported. From anectdotal reports, I've also heard specifically that landouts have a much higher rate of gear-up incidence. And in all of these that I've heard of (5), the glider was damaged, but the pilot was completely unharmed. By "landout" I mean didn't land at the airport of departure... |
#42
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Kirk Stant wrote:
I agree; the price of the glider has nothing to do with it; that's what insurance is for (heck, out here landing out and breaking your glider is a time-honored method of moving up to something nicer!). I would guess that the insurance premium for expensive gliders is er..more expensive. And if you have a claim (or several), your insurance goes up. The more expensive the glider, the bigger the claim, and the bigger the premium increase. Somebody tell me if I'm making this up... And if you believe the NTSB reports, a LOT of the accidents were landouts (OK, some are just "crashouts," so maybe this is a little skewed). We occasionally aerotow retrieve, for convenience, but it is a LOT more expensive (and usually less fun) than a ground retrieve party. Well, the distances YOU fly, aerotow wouldn't be an option anyway without several towplane refuelings For me, it's under $100 every time. ;( Kirk |
#43
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Mark James Boyd wrote:
Kirk Stant wrote: I agree; the price of the glider has nothing to do with it; that's what insurance is for (heck, out here landing out and breaking your glider is a time-honored method of moving up to something nicer!). I would guess that the insurance premium for expensive gliders is er..more expensive. And if you have a claim (or several), your insurance goes up. The more expensive the glider, the bigger the claim, and the bigger the premium increase. The premium is not a constant percentage of the glider value, because it costs just as much to repair the wing of new ASW 28 as an old ASW 24. These less-than-total-loss claims are the big majority of payouts. In other words, the more expensive the glider, usually not a bigger claim. There is a chance of a greater total loss, so the premium is a bit higher to account for that. For example, my ASW 20 C insured for about $900 (value $35K), but my ASH 26 E insured for $2K (value $110K). I have no idea how premium increases are affected by the insured value. -- ----- change "netto" to "net" to email me directly Eric Greenwell Washington State USA |
#44
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Eric Greenwell wrote:
Mark James Boyd wrote: Kirk Stant wrote: I agree; the price of the glider has nothing to do with it; that's what insurance is for (heck, out here landing out and breaking your glider is a time-honored method of moving up to something nicer!). I would guess that the insurance premium for expensive gliders is er..more expensive. And if you have a claim (or several), your insurance goes up. The more expensive the glider, the bigger the claim, and the bigger the premium increase. The premium is not a constant percentage of the glider value, because it costs just as much to repair the wing of new ASW 28 as an old ASW 24. These less-than-total-loss claims are the big majority of payouts. In other words, the more expensive the glider, usually not a bigger claim. There is a chance of a greater total loss, so the premium is a bit higher to account for that. For example, my ASW 20 C insured for about $900 (value $35K), but my ASH 26 E insured for $2K (value $110K). I have no idea how premium increases are affected by the insured value. Eric Greenwell Perhaps I have overstated the effect of a higher price glider on caution. Thanks for the figures! I'm a bit surprised. I'd have thought insurance would be more expensive than what you have noted. But then again, I'm still not quite to the point where I'm ready to voluntarily land off-airport in ANY glider. I'll need to do a few retrieves (of OTHER pilots) before I get to this stage... |
#45
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