I was able to negotiate with the underwriters a bit. Despite a hull loss prior to buying the Sonex and pretty low tail time.
The hull loss was a certificated aircraft which I put back down on the remaining runway after getting out a short field OK - but then getting rotored downwards in the lee of trees creating a risk of not getting out over the trees at the end. I elected to slip and slam her down rather than risk not getting over the trees. I didn't quite stop and the prop was stopped by the airport fence. Plane is perfectly repairable (the wrecking yard are) but repair values exceeded insured value. Not reportable to the NTSB - I got some peer review from fellow pilots and CFI's. Then I wrote up a NASA form.
So yes I was going to be difficult to place - especially moving from Cert to Experimental and with low tail time and a loss.
But I also am active in the WINGS program and use it to take a flight review
every year.
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Two underwriters came back with 10 with a CFI and 10 solo before passengers and almost identical premiums.
I offered to complete the Sonex Training Syllabus and as I did - take a Flight Review. I also gave them a copy of my NASA report with my accident analysis (I've nothing to hide there).
Other factors that might have helped - I'm a PPL tail and complex endorsed. Relatively high time overall 1,800hrs over 8 years and 27 types flown - 24 as PIC. But tail time was a low 20 hours. Underwriters came back with 5 and 5. I'm good with that.
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Now of course I had to shop around quite hard to find a CFI with Sonex time - I found 3 in New England - but a limiting factor was their weight. One CFI was offering time in an RV as "equivalent" to get over the issue of his weight. The one I am flying with - the lightest one - is still 185lbs and with the aircraft stripped down to just us in our T-Shirts, shorts and headsets we only have 1.5 hours of fuel with a 45 min reserve (my personal minimum). But we will get there.
So - the moral of the tale (if there is one) is to try and negotiate with the underwriter. Most simply apply "our usual rules" - but if you can get to talk to the senior underwriter and can persuade them you have a good attitude towards safety - even if things have gone wrong for you in the past - you might be able to improve on what you are offered at first.
And remember the training syllabus offers other aircraft that might be "equivalent" - underwriters may accept that - especially if you can show it is in the Sonex Syllabus:
Aircraft that may be appropriate for this training may include, but are not limited to:
- Grumman AA-1 Yankee, AA-5 Cheetah/Tiger
- Van’s RV series of aircraft, including the RV-12, RV-6/6a and RV-7/7a
- Zenith 601/650 series of aircraft
- Many low wing S-LSA aircraft may also qualify for this purpose
YMMV