Don't get me wrong, I used to work in the insurance industry so I know the general advantages. I used to sell the stuff, I know how in a general situation it is priceless. What I'm wondering about is the "Club" insurance which seems to be the only affordable option here, (Australia). From what I can read in the small print, you're only covered at the club premises (boring) or at an event organized by the club. It looks like you're not covered if you decide to go bush, or beach etc on your own. It seems the club premises rule could be because most of the Aero Club members have fixed wing aircraft and clearly need a landing strip for T/off and return. I'm as responsible as anyone, and would like to have insurance, as long as it covers me for my outings and doesn't involve mortgaging houses etc. Anyone have any thoughts?