Insurance Related FAQs

Click BFC Renters Application for COPA Insurance Form

Insurance Related FAQs:

Q: What was the deductible waiver fee (DWF) that has now been removed?

A: The DWF was a $5/hr fee that covered renters and solo students from having to pay the $5000 deductible in the BFC’s insurance policy in the event that damage to an aircraft occurred while it was under their care, custody and control. The DWF did not cover damage resulting from negligence.

Q: Why was the DWF removed?

A: The DWF was unique to the Brampton Flying Club (BFC). At the recommendation of our insurance provider, we are aligning ourselves with other flight training units in Canada and will hold renters and solo students accountable for any damage to a BFC aircraft while it is under their care, custody and control. This resulted in the DWF being cancelled.

Q: What will I now be responsible for if an aircraft is damaged while I’m operating it?

A: With the removal of the DWF, renters and solo students will be responsible for the first $5,000 damage to an aircraft while the aircraft is under their care, custody and control. As before, renters and solo students are responsible for any and all damages resulting from negligence while the aircraft is under their care, custody and control.

Q: Why is this change happening now?

A: The BFC is introducing a new dispatch system, Fleet Captain, and it is a convenient time to make several changes, including the elimination of the DWF.

Q: What can I do to be protected from having to pay the full $5,000 deductible in the BFC’s insurance policy?

A: One option is to purchase your own renter’s (non-owned) insurance that will decrease the deductible to the amount in that policy. The Canadian Owners and Pilots Association (COPA), in conjunction with Magnes, have a very attractive option for BFC members and associates that can be easily and quickly obtained. Follow the procedure listed below at the end of these FAQs to purchase the insurance.

Q: What exactly is renter’s insurance?

A: Renter’s insurance, also called non-owned insurance, is an insurance policy that decreases the deductible that you are responsible for in the event that an aircraft which you don’t own but are operating is damaged.

Q: What is the difference between renter’s insurance and non-owned insurance?

A: There is no difference between a renter’s insurance and non-owned insurance, it’s just different names for the same thing. It is called non-owned insurance because the deductible coverage that you purchase can be used against the deductible on any rented or borrowed aircraft, not just aircraft owned and operated by the BFC.

Q: What do I have to do to purchase the renter’s insurance?

A: COPA, in conjunction with Magnes, have a very attractive option for BFC members and associates that can be easily and quickly obtained. Follow the procedure listed below at the end of these FAQs to purchase the insurance.

Q: How easy is it to purchase the renter’s insurance?

A: It’s a simple two step process. COPA, in conjunction with Magnes, have a very attractive option for BFC members and associates that can be easily and quickly obtained. Follow the procedure listed below at the end of these FAQs to purchase the insurance.

Q: If I purchase this added insurance will this not be an added cost to flying?

A: In the past, most renters and solo students chose to pay the $5/hr DWF. Similar coverage is available with an annual insurance policy described above. If you are a COPA member and rent more than 20 hours per year you will see your total costs decrease.

Q: Will there be a deductible that I must pay if I have the renter’s insurance and damage an aircraft?

A: Yes, the deductible with the COPA insurance plan is $500 and you will be responsible for that.

Q: What about liability insurance that covers bodily injury and property damage?

A: This has not changed, BFC’s insurance policy will still cover you up to $5,000,000 bodily injury and property damage.

Q: What if I have an accident when I am flying with a flight instructor?

A: If you are flying in a BFC aircraft with a BFC instructor you will be fully covered under the BFC’s insurance policy, even if you are in the left seat and manipulating the controls.

Q: What if I do not purchase my own insurance policy for the $5,000 deductible?

A: If you are a renter or solo student, you will be responsible for the first $5,000 damage whether you have additional insurance or not. The renter’s insurance will pay a portion of the $5,000 deductible reducing your financial risk. As before, renters and solo students are responsible for any and all damages resulting from negligence while the aircraft is under their care, custody and control.

Q: What if I am not flying, but have an accident while taxiing?

A: Since the aircraft is under your care, custody and control during taxiing, you are responsible for the damages.

Q: What if I do not follow the BFC’s rules or applicable regulations and act in a manner that is deemed negligent while operating a BFC aircraft?

A: You will be responsible for the full damage of the aircraft, not just the $5,000 deductible.

Q: I’m an international student, can I still purchase the renter’s insurance?

A: Yes, if you have a Canadian address and are living in Canada during your flight training then you can buy the renter’s insurance.

Q: What if I am not a Canadian citizen, can I still buy the renter’s insurance?

A: Yes, if you have a Canadian address and are living in Canada during your flight training then you can buy the renter’s insurance.

Q: If I am on a flight test will I be responsible for damage?

A: No, If you are on a flight test with a BFC or Transport Canada examiner then the BFC’s insurance will cover you. This applies to both single and twin-engine aircraft.

Q: Do I have to be a COPA member to purchase the renter’s insurance?

A: Yes, you must be a COPA member if you wish to purchase the COPA insurance through Magnes. There are significant benefits to being a COPA member over and above the inexpensive insurance option. The BFC encourages all pilots and aviation enthusiasts to become COPA members.

Q: Are there other providers for renter’s insurance?

A: The BFC has not researched other providers however it is very likely similar insurance is available from other sources.

Q: Does the BFC recommend that I buy the renter’s insurance?

A: If in the past you purchased the DWF, then the BFC highly recommends that you purchase the insurance.

Q: If I purchase the renter’s insurance do I own the policy or does the BFC?

A: The policy would belong to you only. It can be used to decrease your financial risk with any rented or borrowed aircraft, not just aircraft owned and operated by the BFC.

Q: Can I buy renter’s insurance for more than $5,000 coverage?

A: Yes, The COPA VIP program provides options to purchase more than the $5,000 coverage. Please call Magnes at 1-855-847-2672 or ask at the Club’s front counter for details.

Q: Can I use the renter’s insurance on aircraft that are not being rented from the BFC?

A: Yes, the policy belongs to you can be used to decrease your financial risk with any rented or borrowed aircraft, not just aircraft owned and operated by the BFC.

Q: Does the BFC support COPA?

A: Yes, the BFC strongly supports the efforts of COPA. They are a forceful voice for Canadian aviation and they vigorously defend your right to fly in Canada. The Club encourages all pilots and aviation enthusiasts to become COPA members. To join COPA go to https://copanational.org/en/join/, choose the level of membership desired and join. Their phone number is 1-613-236-4901.

Q: How do I join COPA?

A: To join COPA go to https://copanational.org/en/join/, choose the level of membership desired and join. For students who wish to join, the first year of membership is at no cost. Their phone number is 1-613-236-4901.

How to purchase COPA renter’s insurance:

Step 1: Join COPA

If you are already a COPA member, please proceed to Step 2. If you are not, go to https://copanational.org/en/join/, choose the level of membership desired and join. After paying by credit card, you will immediately become a member and be given a membership number. If you are a student pilot, go to the same URL as shown above, scroll down to “Student Membership” and follow the instructions for a free membership.

Step 2: Purchase Magnes Insurance

Call Magnes at 1-855-847-2672 and state that you are calling from the Brampton Flying Club. The insurance agents there have been informed of the Club’s special rate and will take your information and provide you with insurance on the spot after you pay by credit card. To save time, it is advisable that you have certain information at hand, such as pilot licence number or student pilot permit number, hours flown, COPA membership number, etc.

Alternatively, you can go to https://www.bramptonflightcentre.com/recreation/our-fleet-rental-rates-2/bfc-insurance-renters-application-for-copa/, then click on “BFC Renters Application” on the left side, print the document, fill it out, sign it and email to “[email protected]“. You may take a clear picture with your smart phone and email from there. You can also fill in the form on your computer, but it requires your original signature.