Time and again, insurers refuse to pay benefits after air accidents because pilots were at the controls who are not on the contract. Anyone who lets others fly their aircraft should be sure to check their policy before doing so.
The insurance conditions are always described unambiguously in the insurance contract for (comprehensive) hull insurance. Nevertheless, there are always ambiguities and it is not obvious for everyone which pilots are covered by the insurance in which case. ….
You can read more information about insurance coverage in the Aerokurier article:
Aerokurier 07/2021 Pilot clause
The Luftsport Verband Bayern also reported on this in its 02/2021 issue: