Overview:
The Zenith Aircraft STOL CH 801 is a sport utility kit aircraft that prioritizes function and performance over form and design. This aircraft is available in kit form from the Zenith Aircraft Company, which essentially means you can assemble it from scratch following the provided plans.
This four-seat aircraft was developed specifically for the purpose of providing maximum short-field performance while still being relatively easy to build and maintain. It is made from sheet aluminum and develops high lift capabilities at a relatively low speed. Over 160 CH 801s have been produced and you’ll typically find them operating in off-airport conditions as it is a highly versatile and practical bush plane.
Common characteristics of the STOL CH 801 include the following:
- Crew: 1
- Capacity: 3 passengers
- Wingspan: 27 feet
- Empty weight: 1,150 lb
- Max Takeoff Weight: 2,200 lb
- Cruise Speed: 105 mph
- Stall speed: 39 mph
- Range: 600 km
Overview:
Zenith Aircraft Stol CH 801 insurance is highly competitive and is going to depend largely on a few main factors. #1 Pilot experience, #2 Hull value #3 aircraft location, Alaska VS Lower 48.
Most of the major aviation insurance markets will offer to quote Insurance on Piper Zenith Aircraft Stol CH 801s. There are a few markets however, which have which have experienced a major PA-18 loss and will not offer quotes under any circumstance.
Aviation insurance in general, is a very specialized industry and premiums vary depending on make and model of the aircraft, hull value, use of the aircraft, pilot history and qualifications and aircraft insurance rates even take into account the loss history of each specific make and model and the loss history of the industry as a whole.
Zenith Aircraft Stol CH 801 insurance, like all airplane insurance, is broken down into 2 specific coverages. The first is Liability Coverage, which is standard on every aircraft insurance policy and the second is optional hull coverage, which covers damage to the aircraft itself.
Zenith Aircraft Stol CH 801 aviation liability insurance covers damage caused by the aircraft, outside of the aircraft, specifically property damage, bodily injury, and provides money for legal defense in the event that the aircraft owner is sued. Aircraft liability insurance is typically offered for Zenith Aircraft Stol CH 801s, at $1,000,000 per occurrence (per incident) and includes coverage for passengers but limits that amount to $100,000 per passenger, which is included within the total liability of $1,000,000.
A real-world example of how this aviation liability coverage would protect you: If while flying your Zenith Aircraft Stol CH 801 and damaged property or caused bodily injury outside of the aircraft, you would have the full $1,000,000 in coverage to pay for damages that occurred. If an accident occurred and you had passengers inside the aircraft that were injured, your insurance policy would pay up to $100,000 for each passenger. The Zenith Aircraft Stol CH 801 typically holds 1 passenger, so up to $100,000 of your total $1,000,000 insurance policy could be used to pay for passenger liabilities, leaving you with $900,000 for other damage outside of the aircraft or legal defense.
This liability coverage also applies as a bubble that follows the aircraft around. If the aircraft is hangered, liability coverage extends throughout your hangar and it is this coverage that airports will typically require you to have. It’s not a separate insurance policy, it’s actually coverage built into your standards airplane insurance policy.
Other liability options: Some companies may offer lower liability at $250,000 but the cost savings typically doesn’t make this a viable choice. Higher liability coverage on the Zenith Aircraft Stol CH 801 is typically not available.
The second coverage in a Zenith Aircraft Stol CH 801 insurance policy is hull coverage and is an optional coverage. Aircraft hull insurance covers damage to the aircraft itself and is an agreed value, not subject to depreciation. Agreed value is decided during the initial insurance quoting process, the aircraft owner requests an insurance quote for his or her Zenith Aircraft Stol CH 801 and requests a quote including hull coverage in the amount of $50,000. Once an aviation insurance company provides a quote, they are agreeing with you that your aircraft is worth $50,000.
*Insurance companies may place additional stipulations on quotes to prove the value of your aircraft prior to binding, if your agreed value is higher than bluebook.
Most aviation insurance companies do not offer deductibles higher than $0 deductibles, which means in the event of a total loss, if your aircraft was insured for $50,000, you would get a straight check from the insurance company for $50,000.
Zenith Aircraft Stol CH 801 Insurance Cost Breakdown:
As of December 2019, there are 10 carriers quoting Zenith Aircraft Stol CH 801 insurance in the U.S. We consider qualified pilots to have at least a private license, with 300 total hours, 25 tailwheel hours and at least 25 hours in the make/model.
For an annual policy with $1,000,000 in liability only coverage.
Premium range for qualified pilots: $500-$650 per year.
Premium range for less than qualified pilots (non-IFR and less than 25 make/model): $900-$1,142 per year.
For an annual policy with $1,000,000 in liability coverage and $50,000 in hull coverage
Premium range for qualified pilots: $1,210-$1,400 per year
Premium range for less than qualified pilots (non-IFR and less than 25 make/model) $1,500-$1,900 per year.
For more information or to get an actual Zenith Aircraft Stol CH 801 insurance quote, please fill out a quote request online or call us at 800.666.4359
-The BWI Team
