G'Day, not sure if this helps but I crosshire my 172 out to the local aero club, all the checks are done by them, including a check flight either by someone at the club or myself. The insurance is covered by the club authorising the flight, and club members (unamed) are included on the insurance cover. I think that if an individual was to hire the plane I would have to notify the Insurer.
I also have an 100hour min time on type as it helps to reduce the premium, and also an exclusion from being used for training as that would also increase the premium. Contact your insurer and I'm sure they will be willing to help.