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• 5: Rental Fleet
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• 6: For Pilots
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• 8: Shop
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  • 8.8: Apparel
• 9: Going Green
• 10: Scheduling

May 1, 2010 --- Non-owned or renters insurance, is a liability policy that can provide protection for a pilot that is flying an aircraft they do not own. Most flight schools and flying clubs carry insurance that have some sort of deductibles. Usually there is a deductible for non-motion accidents and another for in-motion accidents. When a renter signs the rental agreement, they are agreeing to pay the owner for any damages. Usually that consists of the paying the owners deductible. Non-owned insurance is there to cover that deductible.

It is not only for rental aircraft. A borrowed, rented or even a flying club aircraft can put the pilot in a position of potential liability. Just think, non-owned. If you do not own an interest in the aircraft, this coverage could be for you.

Very simply put, liability means the coverage is used if the named insured is found liable for damage or injury to a third party. For example, if a person is flying an aircraft that has an engine failure or some other mechanical problem that is not the pilot’s fault and damages occur, non-owned insurance would not necessarily pay the claim.

Non-owned comes in two basic parts. Bodily injury and property damage (BIPD) liability and hull damage liability.

So how much should you buy? That is up to the individual. It is best to speak with a professional about your personal situation. A financial planner, attorney or insurance broker is a good place to start. The AOPA is also a good place to get some free advice (1-800-USA-AOPA).