Dan said
The POH is part of the certification of the aircraft. If you have an accident while operating outside the POH, you have operated outside the certification of that aircraft and invalidated the insurance.
I'm impressed by his ability to give a legal interpretation of a contract he hasn't seen according to the laws of a jurisdiction that has not been specified.
Might a better argument be that the POH contains information that will help you to avoid killing yourself and others?
Or have we become so materialistic that a posthumous insurance payout is valued more than life itself?
Yours, tongue in cheek
Mike