Insurance for new flyers
#1
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Insurance for new flyers
Hi, I'm just starting out and I'm looking at costs. can anyone give me an idea of insurance costs? I guess this should include theft, damage and liability?
Thanks
Ron
Thanks
Ron
#3
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If you're in the US everything you need is at www.modelaircraft.org
#5
No, lol good luck with that.
Liability and theft.
I see you're in the UK so that doesn't apply to you anyways, try these guys https://bmfa.org/
Liability and theft.
I see you're in the UK so that doesn't apply to you anyways, try these guys https://bmfa.org/
#7
My personal comfort level is to have no more than $1000 into any model airplane I'm flying . A $1K hit is a bummer , but no big deal VS the amount I've spent over the years for the fun I've had , oopsing 8 grand into the ground all at once would have me crying little dollar signs in with my tears !
Last edited by init4fun; 04-06-2020 at 01:21 PM.
#9
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Location: California. Yes, it's THAT bad.
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Curious about the AMA insurance benefit in case someone is familiar...
Does AMA liability coverage work if I'm flying from some place OTHER than one of their chartered clubs? I wouldn't mind supporting the .org but at this point in the game, I'm not terribly interested in having to fly from a charter club and dealing with all that goes with it. If I'm flying a park-flyer at a deserted baseball diamond at a school or in an empty park area and a liability issue crops up, do they cover that?
Does AMA liability coverage work if I'm flying from some place OTHER than one of their chartered clubs? I wouldn't mind supporting the .org but at this point in the game, I'm not terribly interested in having to fly from a charter club and dealing with all that goes with it. If I'm flying a park-flyer at a deserted baseball diamond at a school or in an empty park area and a liability issue crops up, do they cover that?
#10
My Feedback: (11)
Yes, as long as you're flying by the safety code you're covered
What's wrong with a chartered club? They each have their own personality but I have some of my very best friends as a result of being a member of a club and I know someone that does just about everything from cops, to my dentist.
What's wrong with a chartered club? They each have their own personality but I have some of my very best friends as a result of being a member of a club and I know someone that does just about everything from cops, to my dentist.
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Tree Doc (04-06-2020)
#11
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I have two R/C fields that are equidistant to my house in opposite directions, about 30 minutes or so away. I've read their bylaws and induction process and as I get into more complex aircraft, which may or may not happen, I'll likely look to the club at that point. For now, I fly daily and do so 5 minutes from my house in a great spot. My skills are getting pretty good with lots of recent "seat time" and when I'm a bit more "ready", I can fly over ag land that's 50 yards from my front door but my take-off/landing zone is a pretty specific spot. Not knocking the club environment but the effort for it just isn't a priority. If I can't do it often, when I want, and close by, I'd probably not do it at all. I have plenty of other activities that keep me busy. Flying full size is one of them but this R/C stuff with the modern tech compared to what I had 35 years ago scratches an itch.
I've poured over the AMA Safety Code ever since I got started. I'd bet their underwriter's lawyers could punch a bunch of holes in some potential scenarios that I have dreamed up happening but maybe not. I'll likely join for the support of the .org but I won't be giving up my own PL/PD insurance policies anytime soon.
I've poured over the AMA Safety Code ever since I got started. I'd bet their underwriter's lawyers could punch a bunch of holes in some potential scenarios that I have dreamed up happening but maybe not. I'll likely join for the support of the .org but I won't be giving up my own PL/PD insurance policies anytime soon.
#12
I have two R/C fields that are equidistant to my house in opposite directions, about 30 minutes or so away. I've read their bylaws and induction process and as I get into more complex aircraft, which may or may not happen, I'll likely look to the club at that point. For now, I fly daily and do so 5 minutes from my house in a great spot. My skills are getting pretty good with lots of recent "seat time" and when I'm a bit more "ready", I can fly over ag land that's 50 yards from my front door but my take-off/landing zone is a pretty specific spot. Not knocking the club environment but the effort for it just isn't a priority. If I can't do it often, when I want, and close by, I'd probably not do it at all. I have plenty of other activities that keep me busy. Flying full size is one of them but this R/C stuff with the modern tech compared to what I had 35 years ago scratches an itch.
I've poured over the AMA Safety Code ever since I got started. I'd bet their underwriter's lawyers could punch a bunch of holes in some potential scenarios that I have dreamed up happening but maybe not. I'll likely join for the support of the .org but I won't be giving up my own PL/PD insurance policies anytime soon.
I've poured over the AMA Safety Code ever since I got started. I'd bet their underwriter's lawyers could punch a bunch of holes in some potential scenarios that I have dreamed up happening but maybe not. I'll likely join for the support of the .org but I won't be giving up my own PL/PD insurance policies anytime soon.
#13
My Feedback: (4)
I have two R/C fields that are equidistant to my house in opposite directions, about 30 minutes or so away. I've read their bylaws and induction process and as I get into more complex aircraft, which may or may not happen, I'll likely look to the club at that point. For now, I fly daily and do so 5 minutes from my house in a great spot. My skills are getting pretty good with lots of recent "seat time" and when I'm a bit more "ready", I can fly over ag land that's 50 yards from my front door but my take-off/landing zone is a pretty specific spot. Not knocking the club environment but the effort for it just isn't a priority. If I can't do it often, when I want, and close by, I'd probably not do it at all. I have plenty of other activities that keep me busy. Flying full size is one of them but this R/C stuff with the modern tech compared to what I had 35 years ago scratches an itch.
I've poured over the AMA Safety Code ever since I got started. I'd bet their underwriter's lawyers could punch a bunch of holes in some potential scenarios that I have dreamed up happening but maybe not. I'll likely join for the support of the .org but I won't be giving up my own PL/PD insurance policies anytime soon.
I've poured over the AMA Safety Code ever since I got started. I'd bet their underwriter's lawyers could punch a bunch of holes in some potential scenarios that I have dreamed up happening but maybe not. I'll likely join for the support of the .org but I won't be giving up my own PL/PD insurance policies anytime soon.
What your own PL/PD won't get you is membership or even a guest pass into an AMA sanctioned club. You will definitely need AMA obviously to participate in any of that at any AMA sanctioned club. The way I figure it, is it's just the cost of being in the hobby(I also have other insurances that would cover me too.. just sayin').. but for what I spend on any given model plane, the AMA coverage is peanuts.. and yes, I more get it too support the cause and hobby, and to be able to fly at any club I want(if they'll have me)... but it's real insurance.
PS... You don't have to disclose any information about where/when/what you fly either, as long as when/where/what you fly is in compliance with their code. It's really that easy, and no questions asked.