If you are not the owner but your friend has you named on the policy do you have the same coverage as he does.
Hi everyone.
Would added "As another Pilot" solve any of these issues?
Maybe. Maybe not. It depends what
your policy says says. Period.
In many policies, the benefits and protection a "named pilot" or an "approved pilot" is no different than one meeting the open pilot warranty. It's really just another way of saying, "this pilot can fly the airplane without voiding coverage.' What's the difference, then? Well, an "open pilot" needs to meed the open pilot warranty; a "named" or "approved" pilot does not. For example, I have been a "named" or "approved" pilot in airplanes where I done' come close to meeting the open pilot warranty. But the insurance company approved me individually based on an application.
Point is, neither guarantees the "named" "open" or "approved" pilot is protected. As I explained before, that pilot may be an "insured" when it comes to claims by third parties, but may be on the hook to the insurer if there is a payout. If you've heard the term "subrogation," that's pretty much what it is - the right of an insurer which pays a claim to get it back from the person who caused the damage, unless the insurance company agrees not to. The owner(s) of the policy are protected; others might or might not be.
On those policies where I am "named" or "approved" I always assume it does not protect me. So I carry non-owned insurance with a CFI liability rider.
Edit: to learn more about this stuff, try searching
aviation insurance subrogation in Google. There are a couple of decent articles some insurance brokers put out there to explain what is a pretty complex subject.