Category Archives: Cessna 172

Don’t let your aviation insurance lapse!

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Aviation insurance lapse?

Don’t let your aviation insurance lapse or expire just because you are not flying or the cost of your insurance. With the corona virus issues in the country, many pilots have parked their aircraft.  Which is fine in some cases, but it might not be the best for everyone.

There have been changes happening daily in aviation insurance underwriting for the last year or so.  One of which is the aviation insurance premiums are increasing.  We have see 10% to even 100% premium increases (depending on the plane and pilot).

But it’s not just the premiums increasing, the underwriting requirements are also changing.  Depending on your aircraft and your age, if you let your coverage lapse, you might not get quoted again. Aviation insurance is not an automatic renewal, you need to start over each year.

If you have a unique or low production aircraft you might have difficulty getting a company to quote the aircraft.

This is also especially important if you are close to 65 years old or older!  Make sure you contact us (or your broker) before you let your insurance expire.  There are aviation underwriters that will not quote new business for pilots older than 65.  Once you cancel or let a policy expire, you become “new” business. At that point, the insurance underwriter that you let expire does not have to take you back.

There are options to keep the coverage in place even if you are not flying.  You could keep ground not-in-motion coverage on the hull to protect it from fire theft and storms.  Or you can reduce the coverage to liability only.

The idea is to keep the policy in place and not have the risk of not being able to get coverage in the future.

Questions, contact SkySmith at – ins@skysmith.com or 515-289-1439

insurance lapse

Which aircraft is best for a “wanna be” Pilot

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Which aircraft is best for a “wanna be” Pilot

Q. I am a pilot “wanna be” that attended your “Which aircraft is best for you” seminar.  After a week of seminars and walking the flight line at the fly-in, I am convinced that buying an aircraft probably makes the most sense for me.

Which aircraft is for me?  I was originally thinking of a Cessna 150 (I am the ‘stable’ personality you mention in your book with a little bit of the ‘driver’ mentality too), but I need to haul two people weighing probably a combined 430 pounds, so I think a 150 might be pushing it a bit.

I found an ad for a 1971 Cessna 172, 6300 TT, 2200 SMOH, and was looking for feedback so I wouldn’t get taken to the cleaners.

I would appreciate any help you can offer since I am completely new to this (the story of the $5,000 airplane definitely made me curious).  I do not have my heart set on any one plane, just the ‘being up there’ safely on a tight budget.  Looks are not that critical either.  I just want to fly whether it is ugly or not.

A. Nice to see you “wanna be” not only a pilot, but an owner too.

As you probably figured out in my presentations and columns, I am a Cessna 172 fan. The 172 models are one of my favorite aircraft. It is hard to buy a bad one, but there are a few considerations.  In your situation, the Cessna 150 would probably not be a good choice because of the weight requirement.  A Cessna 172 is a better aircraft especially when used as a two person and baggage machine.

The 172 costs slightly more than the 150 to own and operate, but it is still one of the most economical aircraft around and is also a great trainer.  Cessna did not reintroduce the 152 when they started back in production in 1997.  They introduced the Cessna 172 because it has more flexibility.  The 172 can perform as a trainer and a cross-country aircraft.  It offers more pilot opportunities and comfort than the 150.  The 150/152 models can perform almost all the feats of the 172, except for speed, load and number of seats.

Book prices are just a guideline.  It will probably be difficult to buy an aircraft like this for the book price, but at least it will give you a starting point.  I would think that the engine could make it a few hours more before needing an overhaul.  I would hope it would make it through your training.  In that time, you could put away a few bucks for the new engine.  Adding a lot of new equipment or new engines will not be a direct dollar for dollar recoup.  You will need to fly the aircraft a number of hours (probably 500 or more) to wear off a few of the “new” engine.

which aircraft

Dual required, what do I do?

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Dual required – what do i do?

Dual Required? I am finally buying the airplane I have wanted, but I need training.  My insurance company is requiring that I get  5 hours of dual in my new airplane.  How do I get it home if i have to do the training first?

Answer

An underwriter will require dual when he feels a pilot has insufficient make & model time to proficiently pilot that aircraft. Often, the underwriter will require dual hours and solo time prior to carrying passengers. The requirements depend on the aircraft model, landing gear and horse power. The CFI will need to meet the Open Pilot Warranty or be approved by the underwriter prior to the flight.

Many people find a local CFI and take them along to pick up the aircraft. The ideal CFI is also an A&P and can perform a brief “pre-buy” and give dual instruction all the way home.

Alternatively, you might check with the seller or the local FBO to find a CFI on the seller’s field.  You could also hire a qualified pilot to bring the aircraft to you or have the seller deliver it.

Dual required