Jenny,
I have been insuring for 5 years now, and only learn bits and pieces. Not a lot of brokers will have a frank discussion about it....from what i hear, if I have meet certain conditions, I get a certain rate.
some underwriters paint with a broad brush, others seem more specific.
for example; when I started flying after a 25-year hiatus, most required 5 or 10 hours of dual before 'in motion' coverage would be offered at all.
Oddly, none seemed to care if I bought a tailwheel RV ( or didn't know the difference?)...or if I operate off private grass strips on the side of a mountain!
Now, if I have 50 hours on type, or 100 or 150, will i see some incremental changes?
If I fly my usual 9 hours a year, will I be considered much higher risk than if I fly 15 in the 90 days before I apply
perhaps you can enlighten us on what kind of behaviour is rewarded, or puts us in the red flag category.
I just paid $1800 with a $175 deduction for taking an egress course last fall, for $89,000 in motion coverage with a $500 deductible.