Checkouts, Currency and Insurance
What are pilot's experiences with being checked out, maintaining currency, and being so credited by insurers? I know that flying clubs and rental outfits have currency requirements (fly once a month?) which are probably insurance driven.
What about being covered/added on privately owned airplanes?
For myself, it has been extremes over the years, from being asked: (when being added to a friend's C172 policy) "...how many of your 4000 hours on single Cessnas are on a 172?", to more recent experiences of having zero time on type, and being covered without question. I know that many years ago, I asked my very experienced insurance broker how little I would have to fly for them to become concerned. He told me that if I flew less than ten hours a year, the insurer would ask for some dual time.
What has constituted a checkout for you? a couple of circuits? or an hour in the practice area? What has been your experience checking someone else out when you were the experienced pilot?