I think what papi-74 is trying to say is that if you fly outside the flight manual limits you are not insured, since the C of A is automatically invalid and the flight is illegal, so you are notinsured. If the limitations section states an absolute limit, then he is correct, but some only say that the xwind limits mentioned have been demonstrated - however, if they are actually in the limitations section, I wouldnt want to argue the point in court
Phil