Originally Posted by
what next
No, no, no! Regulations and laws are made by states, not by insureres. We are talking about legality here. Cost sharing flights (observing the relevant rules) are legal in EASA member countries. How much an insurer has to pay in case of an accident has nothing to do with that.
If flying outside of the parameters of what's insured then that is a legal issue. Technically you'd be flying without insurance.