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Bought my P model a year and a half ago. Only had about 400 hours TT, no multi and no IFR. Insurance co. insured the plane as long as I had my instructor on board while working on my multi. As soon as I had that, I could fly solo. Insurance co. did not require the IFR rating but I got it about 3 mo. after getting the multi. Put 262 hours on the plane last year and this year the insurance co. cut the premium in half so guess the IFR rating paid off. (in more ways than one)
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