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A question for you 150/150 drivers: what does the insurance company have to say about flying over gross? Do you just avoid the subject and swear to not fly it over gross or will they pay even if an accident happened and it was determined that you were over the limit?

They have never raised the subject. Why would I?

Seriously: We buy insurance to cover mistakes. There are very, very few accidents that are not caused by some sort of a mistake, intentional or accidental. If the insurers opted to decline coverage for accidents in which pilot error was involved there would not be much need for insurance.

Good Question. I wrestled with this for a while before buying my 150/150. I wanted to obtain the GW increase paperwork for this reason. HOWEVER, I don't think this is necessary. First, my disclaimer: I do not condone flying over gross, it is to be done at your own risk, it depends on the capabilities of your specific airplane, I am not responsible, use common sense. OK, that said, I spoke with an insurance agent before my purchase who told me he had "never heard of a claim being denied due to the airplane being over gross" during the incident/accident. So, I bought the plane. When I got my insurance paperwork (from Cananwill and the AOPA-GREAT deal, by the way-700 a year for a low time pilot), I read it fairly carefully and it didn't mention anything regarding Gross Weight, which suprised me. It listed a whole host of other things you can't do, but not that.

Now it's always possible I missed something, but that's the assumption I'm operating under. I'm sure there are some who will disagree. I don't think I'd ever fly it over 1760.

While your policy may not have specifically mentioned operations over gross, I'll bet it had a very general restriction about not operating the aircraft outside its certificated limitations or something like that. Gross weight would fall under that.

Charles