Thanks for the reply Bob. I know the aircraft are insured as I have something to do with making sure they are. I was wondering more on the lines if I as an individual take a club aircraft out and kill or seriously hurt someone then would the family of that person have a claim against my estate? In other words could they sue me personally or is it the aircraft owner that is liable? Do I have any liability as a renter or is there a mandatory minimum level of cover that the aircraft owner has to provide? I'm at the club tomorrow so I'll have a proper look at the docs.