Just bought into a nice 182. I'm new PPL for 3 mos; partner has about 400hrs. He's decided to take some back country lessons from an expert in Idaho which at the time I didn't think much about other than "cool". This is what this plane is made for doing. Now wondering about this higher risk type of flying, and potential for signficant accident that --after repair--would decrease value on selling. The partnership issues were easy to agree on and things are going nicely, other than this new situation. Hull value 110K. Any additional insurance policy to look at or revision of contract? Presently too new a pilot to consider this type of flying. Any of you out there with partners who fly at different "level" and higher risk? Wondered if you incorporate any changes in contracts?