Yes, the "standard" policy requirement is that any CFI providing training (especially initial checkout) meets the Open Pilot Warranty (OPW) of the policy, which in turn typically requires 25 hours in make and model.
Just as a pilot with less time can be added to the policy, so often also can an instructor not meeting the OPW be used for checkout and training. With low-time-in-type pilots the policy premium goes up. With a CFI usually there is no increase in premium, but it is up to the insured (you) to prove that this CFI is qualified to teach what you need to know about the airplane. Approval of this non-OPW CFI by the insurance company will likely be predicated on the following:
1. The insurance company can provide no referral to a CFI meeting the OPW in your general area (if they can, they'll not likely approve another without the time in type).
2. Your CFI has substantial time, in this case, in RG airplanes in the same general class (180-200 hp, hydraulic landing gear system, etc.). You'll need to find a specific CFI and submit his/her experience data to the insurance company for approval.
A CFI with Duchess experience and maybe some Arrow of 172RG time should work fine with most insurance carriers. If approved (give your broker and the underwriter a week or more to get the approval back to you) you'll be issued a new policy APPROVED PILOTS page that states something like:
"Prior to flight as PIC under this policy Donald XXX must receive and log 25 hours dual flight instruction provided by an FAA certificated flight instructor meeting the OPW, or (CFI's name), an FAA certificated flight instructor who has logged XXX hours dual given to include YYY hours dual given in (aircraft make and model, e.g., Beech Duchess)."
It's your responsibility to ensure the CFI actually has the expereince he/she claims for the checkout to be considered valid.
Thomas P. Turner
FORMER insurance agent and underwriter (not current professional relationship, etc.)
Mastery Flight Training, Inc.
Date: Sun, 17 Apr 2005 02:36:08 -0000
From: "donaldmcn" <firstname.lastname@example.org>
Subject: Insurance checkout for Sierra
I am in the process of closing a deal on a Sierra C-24-R, and will
need to ferry the plane from Gulfport, MS (GPT) to Everett, WA (PAE)
and I am hoping to get the insurance checkout requirements met on
the trip, but I am having trouble with most of the CFI qualification
requirements the insurance quotes include.
Most of the quotes I have received so far, require that the
instuctor giving the dual instruction during the check-out time to
meet the policy open pilot warantee, which all seem to include 25
hrs time in make and model.
Is this pretty common for all insurance companies? Does the BAC
group policy have similiar checkout requirements?
I am having trouble finding a local CFI that can make the trip with
me, who also meets the open pilot warantee, because they do not have
any Sierra time.
Is it possible to get insurance companies to make an exception if
the CFI has experience in comparable Beech aircraft (such as a
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