Insurance for private owners vs. SFH or any pilot
Hi
There seems to be a limit of about 5 pilots, generally the least exprienced pilot is the benchmark. So if you have 3 pilots with 3000 hours and yourself with (say) 100 - it wouldn't be any cheaper than 4 pilots with 100.
Generally Haywards are the cheapest and they do offer some schemes to get the cost down. You might need to push to get a good deal.
Other options are to talk nicely to your local (or not so local) school and see if it works out cheaper to put it on a fleet policy.
Generally you are looking at Hull Value and Risks and the Hull Value seems to be a big chunk of it.
I don't want to be too specific about exact costs but I'll PM you with a bit more info.