". If that person does not hold an appropriate licence and is not under instruction it might be further argued that the flight was being conducted other than in accordance with the ANO and, therefore, that the insurance was invalidated."
But is the insurance invalidated for later in the flight, when the accident occurs on approach/landing, with the P1 in charge?
If so, if a pilot whose insurance covers aerobatics "minimum 1000' AGL" is observed rolling below 1000', and he goes off the runway due to a crosswind gust on landing, is he out of cover?
I got caught in cloud, did a 180°, got back VFR, on a basic PPL. Broadcast my situation and intention. Was my insurance invalidated for the rest of the flight?
I can understand if the pilot handling the landing was not insured.