26. Insurance

Aircraft:

Pacific Flying Club has the most extensive liability insurance coverage available in Canada. The following table summarises the liability insurance for the different Club aircraft seating configurations:

Number of Seats	Liability Insurance Coverage (Canadian Dollars)
2	7,500,000
4 or 6	10,000,000

Note that the above coverage figures far exceed the legal requirements of $300,000 per aircraft seat.

Pacific Flying Club's policy has a $5,000 deductible, which is waived by a $1.95 per Hobbs hour ($4.95 for twin engine aircraft) charge levied in addition to the aircraft rental fee. The Pilot In Command (PIC) is responsible for a $250.00 deductible in the event of accidental damage to the aircraft.

Charges for the waiver of insurance do not apply to Student Pilot Permit holders.

The above waiver does not cover airsickness or wilful damage to the aircraft. Pacific Flying Club reserves the right to charge for the labour and materials needed to clean or repair the aircraft in these and/or other exceptional circumstances.

Note that the above insurance only covers the passengers of the aircraft. The Pilot In Command must arrange for his or her own personal coverage.

Personal:

Pilots are advised that Pacific Flying Club does not carry personal health or life insurance. These forms of coverage are the responsibility of the pilot. All pilots are advised to carry out-of-province health insurance when flying out of Canadian Domestic airspace and should advise their passengers to do the same.