then the aircraft is uninsured at that time.
And if you're safely up there, is that a real problem? I would be very surprised to hear that an insurance company objected to a passenger flying when there was no risk whatever of a claim. It's up to the pilot to assure that they are in control of the plane during phases of flight which do create risk. That said, some pilots might be comfortable to within 500 feet of the surface, and some to 50 feet. That's a pilot decision, the insurer does not need to be involved - unless the pilot makes a poor decision....