Secondly, is there a policy that can be taken out seperatly (eg holiday insurance) that would cover just aviation activities ?
Thirdly is there an independent broker (linked to AOPA ??) that deals with PPL policys and questions like I'm raising here ?
All I can tell you is that my broker told me the exact same thing. Policies (that he took out for me) prior to my deciding to learn to fly are still valid after I decided to learn, provided that I had no intention of learning before taking out the policy.
However if I wish to amend that policy in any way, then I need to disclose all new material facts, including the fact that I'm learning to fly.
In relation to the second part of your question I'm not too clear on what you're looking for. Holiday insurance is usually to cover medical expenses and transport back home in an air ambulance. Life Assurance is to pay your dependents when you die. Which would you be looking for in the second part of your question? Not that I can answer it...but it might help someone else answer that part of your question.
Also when I got mortgage insurance there was a serious mark up to get cover because I was a pilot.
Flying is perceived to be high risk by insurance companies but no one upped any premium when I rode motorcycles every day. Which is higher risk?
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