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 General Flying Discussions > Model Flight Discussions
akaram 
Wednesday, April 13, 2011
Insurance premium/coverage.

Guys, Dr. Marwan Saade contacted the insurance company to negotiate increasing the coverage from $15000 to $30000. They offered us the elevated coverage for a price of $125, ie $50 more than the original $75
We would like to have everybody's opinion/point of view on the above subject.
akaram # 1
Wednesday, April 13, 2011
I have already started this thread on facebook but as not everyone is there, George suggested that here is a better place to get more exposure.
Below are the replies till now:

Roger Baroudy: Hi Alexi, first I want to thank you for taking care of such important matters, and as for an answer, I see it fair as is 75$/year for $15000 coverage knowing that ( and thanks God) no one ever needed it yet as much as i know, but anyway, this is my personal opinion, let's hear the other guys opinions...also, maybe the coverage limit can be optional and each one decides what's the best offer that suits his needs.


Mounir Zoorob: i agree to Roger's comment, knowing that i'm flying foamies these days and upgrading the insurance to more than what it is now is kind of useless to me, but i think it is an important issue for those who fly anything over 50cc, after all this is too my moderate comment

Alexei Karam: Well, you have a point guys and it will be noted, making it optional is one of the options we discussed. Actually Dr. Marwan Saade negotiated this issue with the insurance so the thanking goes to him. Hope to hear more opinions on the subject so we can have a global picture.

George Saliba: What is going on guys, don't you know what sort of rates are going on in the rest of the world? The insurance company has been collecting so much money for years, not once a claim was raised. They should reward us with a reduction on the pr...emium and an increase of coverage. We are a nice easy source of income for them. I accepted to pay the us$75 because everyone else is doing it around here but the truth is it is a rip off. I have friends in different parts of Europe paying between 15 to 25 euro per year for a decent cover. The insurance company needs to know that this source of income will cease to exist if they don't shape up with us. I would rather we fire our insurance company and start saving the premium ourself in a special bank account, we can easily save up enough money to cover our liability. once we reach our target amount we can used th e extra funds for fixing the club.

Roger Baroudy: George....I Love you man Smile

George Saliba: haha... Where have you been hiding man, I was looking for for you.

Alexei Karam: I like your comments guys, hope everybody sees this and gives his opinion. BTW how were you notified that something was posted here ? Do you get an email or a notification when anybody posts anything ? Hope to have more people here like Dany and Fouad for instance ! Tell them facebook is fun and let them create accounts !

Alexei Karam: Yalla Bonne Nuit ! am dozing off ...

Roger Baroudy: I will see you all soon if God's will, and really I agree with George 100% he's absolutely right.

Roger Baroudy: Alexi, this group here is very nice, i'm receiving a mail notification to my MSN each time somebody posts a comment, i hear it while working, so i can check it up and respond..nice..Good Night

George Salib:a Something about email notifications they either not all come or at best they come late. I don't mean to be taking over your thread Alexei but don't you think the subject would have better exposure if moved to amazrc.com .

Alexei Karam: You are right but at AMAZRC we have to urge Guy to add a feature of sending mail notifications to all amaz members as soon as any activity on the forums takes place otherwise it might be weeks before anybody notices a new post ! I am talking out of experience, whereas here as you see you all immediately saw it !



saliba # 2
Wednesday, April 13, 2011
Good one ALexei, I hope all will find out about amazrc on facebook and will join soon. BTW is it possible to synchronize threads between amazrc.com, facebook and twitter,...etc? Do you know if such thing exists?



I don't know the question, but sex is definitely the answer.
DanyG. # 3
Wednesday, April 13, 2011
First of all, thanks George for posting the alert on the other thread!!
Another thanks should go to Marwan, for taking the time and efforts to contact Insurance Company trying to get a better conditions.
As to the subject, presume we should not drift from the main issue of contracting an Insurance policy to protect ourselves from unfortunate incidents and what we should all be looking after is a decent liability coverage.
Fully agree with George that we have had a clean bill with the insurance company as they have been pursuing premiums and had no claims since we started (except 1 if i recall with Gergi's case but not sure of the outcome), therefore, we have a good point here.
On a more realistic note, accidents happen once and believe it or not a helpless small electric plane hiting someone can do much harm as any other plane/Heli.
Nevertheless, i am not against having different liabilities in relation with engine size etc... but this will only complicate matters....
Insurance is always very expensive till the day you need it!!
Let's have more ideas flawing IdeaIdeaIdea


HAJJ # 4
Wednesday, April 13, 2011
THANK YOU GUYS,FOR THE EFFORT..
AS A RULE OF THUMB IT IS BETTER TO HAVE A GOOD COVERAGE,THAN AN AVERAGE ONE.I AGREE WITH DAN.
BUT WHATEVER THE OUTCOME, I WILL COMPLY,ALSO IT IS PREFERABLE TO HAVE THE SAME POLICIES FOR EVERYBODY.EITHER THIS ,OR THAT.



scratch building is fun...use that right angle to set EACH WINGTIP at a minimum height of 6.5 cm...
akaram # 5
Wednesday, April 13, 2011
No need to thank me Dany, it is my pleasure Smile
George, about synchronizing amazrc with fb and twitter and vice versa I am not sure, Guy is the expert in that but I guess it is not that easy. Whats nice about facebook is that you can message everybody, the group acts as a distribution list which alerts immediately everybody. The bad thing is that some people are not there. The website here is the best place for us but it would definitely benefit from a few nice features like the ability to PM everybody collectively and selectively and automatic mail notifications of thread activity.



3addoul # 6
Thursday, April 14, 2011
Hi guys,thanks Alexi for posting this thread on amazrc ,I have already paid 75$ for my new insurance in January so Spinny
I agree with roger, increasing the coverage without raising the premiumThumbs
some where George has a point, if it can be well organized Exclamation
saliba # 7
Thursday, April 14, 2011
once a wise man said: " No guts no Glory "
If I wanted to fly with no risk I would have stuck to simulators. Considering the safety record I don't see a reason for not being able to take the risk of flying without insurance until we saved up enough money to cover any unforeseen liabilities. In such case I do not mind increasing the shares towards the contribution to such account.
I understand where my good buddy Dany is coming from with insurance as a must. In my opinion he is the highest risk pilot in spite of his golden fingers, only while flying his jets that is.
I have been flying for a good while now with the wildest guys ever imaginable. Accident rarely happened and whenever they did they were nothing more than a hole in a car here and there.
This is my personal opinion, I will of course comply with whatever the majority decides.
Akaram, I am no expert but I am sure a little script can be written to take care of synchronizing the whole lot all together, hehe saying this reminded me of another wise man who use to tell me " A little knowledge is dangerous " PM option is a must on any social website with the likes of Amazrc.com . Hello Guyo!!




I don't know the question, but sex is definitely the answer.
skywalker # 8
Thursday, April 14, 2011
I second what Roger, Mounir & George mentioned and I believe if God forbid an accident would happen with a damage toll exceeding 15K then probably the 30K bracket won't even cover....So it make no sense to update to the 30K coverage for nearly double the premium with 0 incidents in our records.


1 Airfield 1 spirit 1 Captain.......Old is gold....Amaz forever
SkyGuard # 9
Tuesday, April 19, 2011
Hi Gents my Best regards to all of you =S=
I know been away for a long time couldn't help it i had a critical situation miss you all, Thx for every one who putting the effort in to the insurance issue, I say insurance MUST for every single pilot at AMAZ I suggest to have two kind of insurance classes one regular $00 a year $15000 coverage for FOAMY-ELECTRIC only, pilot CAN NOT fly NITRO or GAS engines, and a premium class $00 a year $30000 coverage, as Dany said Insurance is always very expensive till the day you need it!!
God bless you all hope to see you soon,


saliba # 10
Tuesday, April 19, 2011
Yeh I agree, 15000 for foamies is a must,,, I think I heard the trade center was brought down by a foamy or was it the pentagon? I can't really recal, anyway the key word here is: insurance, insurance, insurance,,, Great comeback buddy, we really miss you.Very




I don't know the question, but sex is definitely the answer.
hady # 11
Tuesday, April 19, 2011
following dany's decisions
would be good if we can get better deal insurance are rippppppppppppoff



A helicopter in flight is a bunch of spare parts flying in close formation.
Imad # 12
Thursday, April 21, 2011
Dear All, i have another opinion, what about making a coverage on the field itself, by means if any damage occured from any flying object in AMAZ airfield or around it, the insurance should cover the damages. whatever the premium will be,it will be devided on all the registered pilots. So foamies or not,AMAZ airfield will be totally covered. and in case of a visitor pilot or a trainee, a small amount per day must be paid for AMAZ committee.


GreyHawk ( Scale Helicopter Pilot )
Imad # 13
Thursday, April 21, 2011
Dear All, i have another opinion, what about making a coverage on the field itself, by means if any damage occured from any flying object in AMAZ airfield or around it, the insurance should cover the damages. whatever the premium will be,it will be devided on all the registered pilots. So foamies or not,AMAZ airfield will be totally covered. and in case of a visitor pilot or a trainee, a small amount per day must be paid for AMAZ committee.


GreyHawk ( Scale Helicopter Pilot )
akaram # 14
Friday, April 22, 2011
Bravo Imad, we decided to go with $500/head/year and we the committee will secure proper Insurance and all. For casual visitors it will be $50/day.
What payment plan you chose ? If it is $500/year please have the money ready on Tuesday


saliba # 15
Friday, April 22, 2011
Akaram: I think our good buddy Imad is talking about insuring the airfield itself instead of the pilots. If I understood him correctly he expect the airfield's insurance to cover the pilot's accidents regardless.
Imad: Fairytale's insurance policies only work in wonder land. As far as I know RC insurance is designed for RC pilots. Good luck teaching the airfield to fly if you really want to see it insured.



I don't know the question, but sex is definitely the answer.
Imad # 16
Saturday, April 23, 2011
Sorry guys, i thought that this forum is for discussing ideas not to underestimate and make fun of them. Insurances are made for careless people who dont care for their equipment and forget to fix or tighten a screw here and there before their flight it is also for people who are dangerous on themselves and on the others. Insurances can be tailor made as per client request; therefore premiums can be tailor made too. For example: many car parkings are insured regardless of car model or number of damages that can occur per day. So this is just an idea, so please either you discuss it or dont no need for such an aggressive and cheap comments of yours.


GreyHawk ( Scale Helicopter Pilot )
saliba # 17
Saturday, April 23, 2011
haha Imad is on fire!
Come on man there is nothing personal against you there, There is nothing in the air more than innocent and harmless jokes. The reason why this is not serious to me is because I do believe the insurance company itself is taking us for a trip. The premiums they are asking are screaming "come to me if you want get screwed". The first indication of their sincerity toward us would would be when they at least show wiliness to consider our safety record before setting the premium, not to mention flat out doubling it. This is my idea Imad but please do not let me stall you. Since you seem to be a serious believer in the parking lot theory, I suggest you get in touch with Dr Marwan who took the first initiative and arrange for meeting with with the insurance lads. Get us a better deal and I will pay your first year cover as an appreciation gesture to your serious efforts. Until them the joke is on, and the airfield still need to learn to fly before we can blame it for all the damages caused by our crashes.



I don't know the question, but sex is definitely the answer.
akaram # 18
Sunday, April 24, 2011
Once there was a guy who crashed his model on the workbench damaging several other models ! So I believe the workbench should also be insured.


saliba # 19
Sunday, April 24, 2011
We are making history you guy!!
Parking lot theory evolution is in the making here. What once was an ambitious dream is now evolving to cover airfield and friends.
We are going to be busy this summer teaching the airfield and bench to fly, who knows the windsock pole could very well be next.
Happy easter you all, May God give us the power and patience, I hear the airfield and bench are slow learners.



I don't know the question, but sex is definitely the answer.
skywalker # 20
Tuesday, April 26, 2011
I am really shocked how what Imad suggested is being taken so lightly and so childish. Nearly all constructions sites and high risks areas are insured regardless of names and persons present and that what is Imad suggesting and the site would include the land official number including the bench etc.......of course for large aricrafts reaching a bit further then our lot probably we should insure the Amaz and Mayrouba area in an extra policy for large scale pilots....


1 Airfield 1 spirit 1 Captain.......Old is gold....Amaz forever
HAJJ # 21
Thursday, April 28, 2011
I JUST RENEWED AND PAID FOR MY INSURANCE,AND I AM SATISFIED WITH IT.
HAPPY EASTER TO ALL.



scratch building is fun...use that right angle to set EACH WINGTIP at a minimum height of 6.5 cm...
akaram # 22
Friday, April 29, 2011
Happy Easter Hajj ! Did you get the workbench insurance, flying field insurance or tree/container insurance ?


HAJJ # 23
Tuesday, May 31, 2011
kindly check a new thread by hajj.



scratch building is fun...use that right angle to set EACH WINGTIP at a minimum height of 6.5 cm...
 
 
 
 
 
 
 
 
 

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