Originally Posted by
IO540
The only way to avoid this is for his name to be on the policy, as a joint insured party.
You might also consider arranging a Non-Ownership Liability policy to cover you flying other people's aircraft (if this is a regular occurrance and the cost can be justified)
You never know if you are covered by their policy, or if they even have one, or if their claim might not be covered for some reason.
Di