Question: I have just started flight training, and the flight school is telling me that I need to carry insurance to fly their airplanes. If I am flying their airplanes, shouldn’t I be covered under the school’s insurance policy? Flight training is expensive enough without this. Do I really need to have insurance?
Answer: If you have assets to protect like a home, car, bank account, etc., then insurance is a good idea. Many student pilots and private pilots fly without it because they don’t know it is available or think they are covered under the flight school’s policy.
You are, to an extent. However, if there is an accident or incident that results in the loss of a revenue-generating aircraft, the flight school will go after you for any losses not covered by the school’s insurance.
