Getting Insured with Crash on Record
 

In January of this year (2014) I was involved in an off runway incursion during a landing. There was no damage to me and I wasn't carrying any passengers (thank goodness) but there was damage to the plane. Like any new pilot I put my tail between my legs and sulked for about a month or so over my failure.

After that I decided that I wasn't going to let the accident keep me down, so after about 10 hours of remedial instruction (not required but I thought it would be good to get it done) I started flying solo again.

Fast forward a few months I've been flying ever since (I've recently been deployed so my flying has taken a break). Now I am trying to purchase a plane to cut down on the cost of my instrument rating (plus I wanted to have my own plane anyway) but I am having trouble finding an insurance company that will insure me. Does anyone here know of an insurance company that will insure a relatively low time pilot with a recent crash on record?

PLEASE HELP! I found a plane that's an amazing deal and I need to be insured. The plane is high performance, but not turbo or anything. I really need to get insured and I don't plan to do any solo flying at least until my instrument rating is done and price is not a factor.

Avemco turned you down, I take it?

Not sure if my post went through or not.

Avemco turned you down, I take it?

I did not apply to Avemco but I did apply through AOPA and Falcon and have been turned down as they couldn't find an underwriter who would accept me. I planned to spend at least 60 hours with an instructor before flying solo (20 hours getting used to the plane and 40+ hours getting my instrument rating)

I have a buddy who is also my CFI who is willing to help me but I can't buy the plane without insurance... rock, meet hard place....

DwayneSmithUSMC:

Perhaps you might contact an insurance broker to consult with rather than an insurance company. Brokers with aviation insurance experience may have knowledge of which underwriters might best serve your needs. I would expect that there are underwriters willing to take you on provided certain training/supervised flying is accomplished. I would also expect the premium to reflect the perceived increased risk, at least for a period of time and/or experience in type is gained. Also consider that complex/high performance aircraft are more problematic to insure with lower time pilots. It may be easier and less expensive to consider a lesser performance airplane if the HP type is too problematic to insure. These are just the kind of issues an experienced aviation insurance broker may be able to address successfully.

A side note: Throughout my aviation career I have known of several pilots who've been able to obtain and maintain aviation insurance coverage following an at fault accident. So don't give up too easily. It has happened to others. While certainly less than an ideal situation, these pilots owned up to what happened and why, learned from it and moved on with their progress as a pilot. It seems from what you've related here that you've already taken the first steps.

Best of success,

westhawk

Thanks West

Gentlemen,

It looks like Avemco for the win. Thanks for the information.