Yes, having your own insurance during pilot training is highly recommended.

Flight schools typically have their own insurance policies, to cover their own assets and operations. These may not cover every situation or an individual who is receiving training. While it is not common, an insurance company may subrogate in some instances and pursue the person who caused damage or injury. Having your own personal, non-owned aircraft insurance ensures that you are fully covered, regardless of any limitations or exclusions in the school’s policy.

Flight training involves inherent risks. Having personal liability insurance protects you in case of an accident or damage to the aircraft. This coverage can help you avoid significant financial responsibility if an incident occurs.

Accidents can lead to medical expenses that might not be fully covered by standard health insurance. Aviation-specific insurance can provide additional coverage for injuries sustained during training.

Knowing that you have comprehensive coverage allows you to focus on your training without the worry of potential financial repercussions.

While flight schools may provide some level of insurance, having your own insurance ensures you are fully protected during your training. The good news is that it is typically pretty affordable. There are even options that can be purchased on a monthly basis.

You don’t need to buy coverage for every eventuality. Buy enough insurance to at least cover deductibles and some limited damage if a minor incident is encountered during your training.