I’m with Bruce on this one.
I fly a glass plane and most in our club planes are glass. Seeing all the troubles that beset our students and the very infrequent private owners prangs, I have come to the conclusion that That insurance on a glass plane probably isn’t warranted. (Tho club a/c are, as risk is too great for the committee)
They are very easy to fix and very inexpensive. We have had a number of end overs, torn out nose wheels and wings impacting objects and u/ torn off. Multiple of each.
All fixed quick smart and cheaply. If it was so bad that it happened to be written off...no problem...coz so are you and you won’t be worried about it.
Tube and fabric is also easy to repair. A car jack to pump, piece of string to check straight and a bit of cloth to cover.
Carbon can be problematic as you need to cook it.
We have had 3 tin planes come to grief in recent times. one touched a wing due to a stationary undercarriage collapse and I mean hardly a touch, $26k and six months to fix. You couldn’t even see the damage.
Another didn’t make it to airfield crunching the u/c....a write off. Similar to an episode in our Jab that only took couple of layers of glass, 3 new bolts, one week then back flying.
latest tin plane incident involved a hard landing and the pilot didn’t even know he damaged it. Probably used to the Jab that can take anything you throw at it. Cost $25k and 4 months .....so far.
So,
FRP..do it yourself
Tube and fabric. Similar to FRP
Carbon...expert and insurance
Tin....”don’t leave home without it”
Ken