Evening All,

I'm not sure how wide the appeal for the question might be, but I'm certain that for various reasons, the answers to these questions could become general interest at some point.

I’ve recently signed the purchase agreement for a Legacy kit, and have been looking at the future insurability for the day when the baby will fly under its own power—a year or two down the road, I expect. So far I’ve spoken with one company that represents four underwriters.  They’ve been vey friendly and helpful, but the bottom line is that two of the underwriters won’t quote any Legacy and the other two would decline to quote “me” in a Legacy.

I’m partially to blame for this, of course, since I had a reportable accident this year in my certified bird that resulted in the total loss of the aircraft, and very nearly myself.  It was actually this accident, and the hours of parsing my logbooks for the FAA, NTSB and the insurance company reports (while lying in a hospital bed)  that highlighted my normal mission profile and led me to the Legacy as more closely aligned with the way I was actually using my aircraft.

So, here’s the question(s)…  I expected to pay more following the accident, I didn’t expect the underwriters to decline to even quote me.  Is there a time, an industry formalized period, where one is blacklisted following a claim, and if so, how long does that last?  Do you know of other companies and underwriters that, while taking a claims history in to account, might not be as shy about providing a quote?

Regards,

Hal