That is the insurance industry. Who can make any sense of underwriting hey? They are simply gamblers who haggle over what bets they will place on who and for how much to maximize their return. That’s OK it is a business, but sometimes there is no sense at all in it.
Here is a strange scenario, A new 300CBi used for training (by low time Instructors) and Commercial work by new pilots is cheaper to insure than an old 206 worth not much more than the new 300. The 300 gets used far more often in a riskier environment. But low hour Commercial Pilots are excluded from flying the turbine in an easier flight role, while the 50hour student is off doing confined areas, Navs and Pinnacles SOLO.
The regulators say you can fly commercially, the insurance says you can't (Customer requirements were often originally written by industry, they must have gotten there figures from somewhere.)
Hard to even get a start under 200hrs in the civilian world, (not enough experience) (insurance?) but new Military pilots are flying around at Night, NVG's, Low Level in formation with 250hrs, in helicopters worth millions more. (Bigger insurance budget? Better training?)
Who has stats on how a new Pilot is more likely to have an accident. The accidents reports in most countries do not seem to support this. What raw data are insurance companies basing the costs on, WORD from the Industry?
Even if insurance companies would insure ALL pilots to fly the aircraft they are endorsed on regardless of hours (and customers did not mind as long as you were trianed to do the specific job) imagine the turmoil when the vicarious vetting process for Jobs was taken away.
I think this topic is like Politics or Religion, best left for close friends and relatives to talk about.... then why do my fingers keep typing.....
