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I'm resuming flying, but new to CAP. In purchasing an AOPA (AIG) liability insurance policy, I noticed that they offered a "CAP" rider for an extra $50 per year. I spoke with a rep at the insurance company, but she could not give me any explicit reason why I should have the CAP rider. When I looked at the CAP regs, they seem to give me fairly good hull coverage ($500 deductible), unless I am grossly negligent--which I have no intention of doing.
Does anyone have a good explanation of why I should (or should not) purchase the CAP rider?
 
Posts: 1 | Registered: Tue 16 June 2009Reply With QuoteEdit or Delete MessageReport This Post
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Never heard of it.
 
Posts: 4472 | Registered: Fri 31 December 2004Reply With QuoteEdit or Delete MessageReport This Post
We have met the enemy and he is us. Pogo
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Insurance in general and aviation insurance in particular is not my forte but I did a google (with the quotes) with:

aviation insurance "civil air patrol"

One of the hits is from 2003 and the article is titled "AIG Aviation Offers New Coverage For The Civil Air Patrol". Based on info from the AOPA site, it appears AOPA is re-selling the AIG policy.

The extract:

quote:
"The Civil Air Patrol plays a vital role in our nation's safety and security," said Jim Anderson, vice president of AIG Aviation, Inc. "However, with recent changes to Civil Air Patrol regulations, CAP pilots are facing possible liability exposures in the course of performing their official duties. Understanding the risk exposures under the new regulations, we are pleased to provide this much needed coverage for CAP pilots."

Civil Air Patrol liability coverage is optional coverage that provides protection for physical damage to a non-owned aircraft that a CAP pilot may be responsible for during official CAP missions.


I don't know if this policy is still offered but the liablity may be what AOPA is covering.

I also found an application from Carrio Aviation Insurance. Near the bottom under Optional Coverage is a place to check off for a $50 CAP endorsement. The asterik note to the check-off states:

quote:
This coverage may be used to protect you against claims arising from your participation in Civil Air Patrol Activities. Contact your broker for more information


The same optional insurance shows up on an application for National Aviation Insurance Agency Inc. as well as other insurance carrier sites.
 
Posts: 10131 | Registered: Fri 12 October 2001Reply With QuoteEdit or Delete MessageReport This Post
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