WARNING TO STUDENT PILOTS!
Aircraft renter's insurance is a must have for pilots on hour building and for any pilots renting or borrowing aircraft.
Most FBO's and flight schools who advertise "insurance included" or "deductible only" coverages are not covered for the renters but only for themselves!! They never show their insurance policy to pilots, until something happens.
You could be made liable for the deductible but that's not all: the insurance company can exercise right of subrogation and claim damages against you if an accident happens because of an error of your part. This has happened many times in the past.
To limit the student pilot's financial risk when flying and before all, for their peace of mind, we have made it a requirement to hold renter's insurance before stepping on one of our aircraft.
We also advise student pilots to buy life insurance coverage in their own country, with general aviation coverage included.
Insurance companies do not cover gross negligence or intentional acts.