What effect does pilot experience have on non-owned insurance premiums?
None. Premiums are based on the limits of coverage you select. Who should purchase a non-owned policy? Any pilot who rents or borrows someone else’s aircraft should purchase a non-owned policy. Even if you are receiving dual flight instruction and not acting as pilot in command in a non-owned aircraft, you may be held responsible for any damages or injuries arising from your negligence. When should I purchase a non-owned policy? We recommend you purchase a non-owned policy as soon as you start your flying lessons. You may be held legally liable for any losses that may occur. Will a non-owned policy protect me if I use a non-owned aircraft for other than my own pleasure and business use? No. Non-owned policies do not provide coverage if the non-owned aircraft is being used for or in connection with: Aerial advertising, towing, photography or connection with; hunting, herding or spotting of animals of any kind, including birds and fish; patrol or surveillance of any kind, including power
