A Collins Posted March 7, 2009 Share Posted March 7, 2009 Hello, I fly using a buddy box, whose insurance is in force in the event of an accident, mine or my instructors? If it is my instructor, what do I need insurance for? Quote Link to comment Share on other sites More sharing options...
Delta Whiskey Posted March 7, 2009 Share Posted March 7, 2009 Good question, I don't know the answer, but I suspect it's whose model it is? If it's your's and you have given permission to someone else to fly it, isn't like cars, where as long as you have insurance on your own car, you can drive someone elses. (third party cover) with their permission? Quote Link to comment Share on other sites More sharing options...
David Ashby - Moderator Posted March 8, 2009 Share Posted March 8, 2009 I guess you both need insurance so if anything happens then who ever was flying at the time is covered? Quote Link to comment Share on other sites More sharing options...
Andy Harris Posted March 8, 2009 Share Posted March 8, 2009 I believe that for the first three visits it would be the clubs BMFA insurance, after that you need BMFA insurance. Its part of the promoting model flying drive where clubs can accommodate interested visitors for a limited period. I base this idea on the way my club looks after random visitors. A BMFA bod could elucidate. Andy Quote Link to comment Share on other sites More sharing options...
namustang1a Posted March 9, 2009 Share Posted March 9, 2009 .Hi. as far as iam awear its on the instructers int as he is in charge of the flight(like a driver) if any thing goes wrong he has controle in seconds(or should have). could be wrong but thats the way ive been told it is, Ian Quote Link to comment Share on other sites More sharing options...
Delta Whiskey Posted March 9, 2009 Share Posted March 9, 2009 makes sense. Quote Link to comment Share on other sites More sharing options...
ken anderson. Posted March 9, 2009 Share Posted March 9, 2009 as a safety officer at our club i and my friend's allway's point out to any new member that should their model go awol and crash while someone else is assisting them to learn the required skill's to fly their model aircraft-there will be no blame attatched to the helper/instructor--- it's one thing flying your own creation-you know what has gone on in the construction stage ect-but flying someone's who is a complete stranger can be daunting-as if you don't know them-and they are new starter's/ novice's it pay's to double check there model over-and make sure that the batt's are fully charged...........we had one newbie who thought his bmfa ins covered his model for repair's etc in the event of a crash............... as someone who has had to claim off the bmfa insurance---take care...... ken anderson............... p.s.--do you really want to claim off your insurance if your flying someone else's plane???Hard to decide/yes-no.......... Quote Link to comment Share on other sites More sharing options...
namustang1a Posted March 9, 2009 Share Posted March 9, 2009 "we had one newbie who thought his bmfa ins covered his model for repair's etc in the event of a crash..............." lol...we would all be pranging models just to get a new one...sounds good to me. Any iders what the bmfa say about the buddie box and intsurance cant find any thing in the guide lines . Ian Quote Link to comment Share on other sites More sharing options...
Simon Chaddock Posted March 9, 2009 Share Posted March 9, 2009 As far as I can tell the BFMA insurance is attributed to the person not the model so on a conventional buddy box it is the instructor who is the "pilot in charge", however it appears the exact terms and conditions of the insurance are not easy to find so better to both have insurance! Quote Link to comment Share on other sites More sharing options...
Martin Harris - Moderator Posted March 9, 2009 Share Posted March 9, 2009 As I read it, if it's at a BMFA affiliated club, then under BMFA rules, both will have to be BMFA members after the introductory sessions. If not, the club would be in breach of its affiliation, putting at risk those aspects of the BMFA insurance pertaining to the club as a whole. Quote Link to comment Share on other sites More sharing options...
namustang1a Posted March 10, 2009 Share Posted March 10, 2009 so were still not 100% clear on it then,,,but getting there Ian Quote Link to comment Share on other sites More sharing options...
ken anderson. Posted March 10, 2009 Share Posted March 10, 2009 hello all--i would be interested to hear how other club's approach the subject of a new member(stranger) joining a club-wanting to learn to fly etc--over the year's i think i've met a fair old cross section of the wannabee model pilot's of different abilitie's--most who would listen to experience'd member's---and a minority who join our club-don't/won't listen and after giving their nerve's and wallet a thump-dissappear never to be seen again............there must be load's of old kit lying around redundant............ ken anderson.................... ps--methink's we have the making of a new thread in this posting--what do you think Quote Link to comment Share on other sites More sharing options...
David Ashby - Moderator Posted March 10, 2009 Share Posted March 10, 2009 Spoke to the BMFA today and I was right It's just down to whoever was flying the model at the time when an accident occurred. (assuming both are members/insured) Quote Link to comment Share on other sites More sharing options...
namustang1a Posted March 10, 2009 Share Posted March 10, 2009 so in princable its the instuctor as(if hes any good)he should have taken back control from the pupil to try and avoid desarster. The bfma responce is still not to clear in as both are flying the model...even if one is a copilot . Thanks for taking time to try and sort this out as i know its always a question that arises when a new instutor starts to teach . May be it just comes under the affiliated clubs own cover which then solves a bit of the problem, as andy mentioned already about a first timer having a taster flight. Ian(still puzzeled but happier) Quote Link to comment Share on other sites More sharing options...
David Ashby - Moderator Posted March 10, 2009 Share Posted March 10, 2009 I guess only one person will have control at any one moment in time on the buddy system. Non-BMFA members, perhaps those trying to fly for the first time are covered under the clubs cover as you say. Quote Link to comment Share on other sites More sharing options...
namustang1a Posted March 10, 2009 Share Posted March 10, 2009 I think it may be a good ider not to have the need to find out....i for one dont want to be the one to know from experiance. Ian(trying to avoid pending doom) Quote Link to comment Share on other sites More sharing options...
Chris C Posted March 11, 2009 Share Posted March 11, 2009 the answer seems simple to me an people prbly have pinted this out, just get insurance better safe then sorry i mean whats 20-30 quid compared to reaplceing someones windscreen on there car or there windows of there house. Quote Link to comment Share on other sites More sharing options...
Martin Harris - Moderator Posted March 11, 2009 Share Posted March 11, 2009 A couple of hundred for a windscreen is hardly what it's about - why do you think the cover has gone from 5 to 10 MILLION pounds? Taking any risks with insurance is an absolute no no. Quote Link to comment Share on other sites More sharing options...
namustang1a Posted March 12, 2009 Share Posted March 12, 2009 I would never dream of flying without insurance and never have,,the ultimate answer is if anything goes that bad let the insurers sort it,,, thats what thay are there for after all. Ian Quote Link to comment Share on other sites More sharing options...
A Collins Posted March 12, 2009 Author Share Posted March 12, 2009 Well I never imagined such a response to what I thought was a fairly simple question. The point I was trying to make is that the BMFA are charging for two lots of insurance when in practical terms only one policy is actually needed. i.e. that of the Instructor who is the Pilot in charge. At the same time as my original post I sent an email to the BMFA but so far they have not responded. Quote Link to comment Share on other sites More sharing options...
Peter Miller Posted March 12, 2009 Share Posted March 12, 2009 Fifty one years ago I had an accident that wasn't my fault. I was flying a new C/L combat model on a windy day. While starting a pair of pliers was dropped. After the model was in the air a junior club member started to got to get the pliers but was told not to. While everyone was watching the model he went into the circle to pick them up. The combat model hit him. He was lucky, the engine passed behind his head but the prop slashed his ear very badly. I had to walk him all the way home through the town. Someone that I asked to take us to his home refused because of all the blood. His ear was stitched up at hospital and healed almost perfectly. His parents didn't sue but I was very glad that I had the insurance. These days your feet wouldn't touch the ground before you were in court. That happened on my 20th Birthday, I was in shock for a week. I would never fly without insurance Quote Link to comment Share on other sites More sharing options...
A Collins Posted March 12, 2009 Author Share Posted March 12, 2009 Just had this reply from the BMFA... It is always advised that pilots under training are paid up BMFA members in order that they benefit from the full coverage offered by the policy. Whilst you are correct that in legal terms the pilot in charge (with the master transmitter) is responsible for the safety of the flight, however there is a possibility that following an accident there could be some level of blame apportioned to the student, in the unlikely event of this happening it would be unfortunate indeed if the student had no protection in place against civil liabilities. Also if you are flying at a BMFA affiliated club the terms of affiliation stipulate that all club members must also be BMFA members. It answers the question for me. Quote Link to comment Share on other sites More sharing options...
BB Posted March 12, 2009 Share Posted March 12, 2009 Its the 'Flyer' who is insured at the time of the accident. Regardless of 'hack' ownership. Pilot incharge. Quote Link to comment Share on other sites More sharing options...
namustang1a Posted March 12, 2009 Share Posted March 12, 2009 well done alan..thanks bmfa. Ian Quote Link to comment Share on other sites More sharing options...
Simon Robinson Posted March 19, 2009 Share Posted March 19, 2009 Hi all, I am new to the fixed wing flying and at the moment I have a motor glider (Parkzone Radian) which I fly in the nears park or farmers field. I have seen a few things on insurance and was wondering what the score is and if someone can help explaining it to me? Cheers Si. Quote Link to comment Share on other sites More sharing options...
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