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Student pays insurance excess

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Old 19th Sep 2008, 05:09
  #21 (permalink)  
 
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Blue sky, this is completely different to hiring a car from Avis, If I hired an aircraft from an aeroclub (say I already hold a CPL) and was told, you bend it you pay the access, I would probably live with that, but this guy is undertaking a course of study, he is seeking training.

What if the guy walked into a folk lift training school (he's gone to learn!) and he was told, you are responsible for any damage, hello!!! I would run a mile.

Stop getting walked on man.
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Old 19th Sep 2008, 09:18
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The almost-$10k excess (closer to 8) was for a Duchess, not a little trainer. They have a whole range of excesses per aircraft, ranging from just over $2000 for a little two-seater, up to the scary figure for a twin.

Ive flown out of many flying schools and aero clubs across the country, and this is the first time Ive heard of it being the student's responsibility (other than in the case of gross negligence).

As a CPL holder, I expect that I won't be accidentally landing on the nosewheel, or taxiing into another plane, but then again, isnt that the point of insurance?
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Old 19th Sep 2008, 11:14
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I have seen it calculated as a percentage on the value of the hull. Usually 1 or 2%
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Old 19th Sep 2008, 11:32
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have a look around at other schools australia wide and see if they all do it. I say australia wide because the local operators might have all agreed to put this one in.

whck job makes some good points. When you go to avis do you turn up and say your here to practice some driving in adverse weather before you go for your licence. They'd laugh at you.

Do you have access to a union at all? Ask them.
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Old 20th Sep 2008, 01:13
  #25 (permalink)  
 
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A student should not be liable for damage on dual or solo training flights as he is not capable of authorising his own flight.

The student is sent solo only when an instructor is satisfied that he safe to do so, the instructor is liable but as an employee the company assumes responsibility.

A student will only be liable if he operates outside of his solo authorisation, unless the authorisation was ambiguous, e.g goes to the training area when sent solo circuits or lands at an airfield not authorised by the instructor/company for solo nav operations.

As soon as the operation becomes a Private Hire the hirer becomes liable for damage.

There is no such thing as 'cover all insurance' except self coverage. Most schools will be on minimum coverage for training ops as this is already up around 3%-6% hull value per year. In the past it usually had licensed aerodromes only coverage, for larger aircraft such as twins Private hire usually has an minimum hour/min rating/licence restriction as well but some have waivers based on a flight with insurance approved checkers. The 10k excess sounds more like your outside their insurance coverage with low hours/experience and they have a dispensation increaseing excess guaranteeing some help in damage coverage.
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Old 20th Sep 2008, 02:26
  #26 (permalink)  
 
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I think it is a bit sus. I work for a flying school myself and we do have people sign a Private Hire Agreement, but only for Private Hire. Any excess that is incured during a training flight is the responsibility of the organisation! as for the amount of excess they are charging for the duchess, It would want to be a bloody good duchess
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Old 20th Sep 2008, 02:47
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definately not normal, find another School.
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Old 20th Sep 2008, 11:04
  #28 (permalink)  
 
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Where I did PPL & CPL they had the same clause. While I was there a student hit a duck on take off while solo in the 172, went through the windscreen. He did quite well to abandon the takeoff and put it back down without any further damage and was lauded in the newsletter for doing so. Then they sent him a $750 excess bill. He told 'em to roll it into a tight tube and jam it where the sun don't shine They backed down.

Another club member bent a PA32 wheel spat by hitting a gable marker She got a bill and paid it.

It's all situational.
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Old 21st Sep 2008, 03:34
  #29 (permalink)  
 
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Angel of Music,

Are you getting a reduced hourly rate over other flying clubs etc.?

It sound like a cost cutting excercise in reducing their insurance premiums, just wondering if the savings are being passed on to the students....
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