Whirlybird: I was thinking excactly the same as you. I am going to get some kind of insurance but I was thinking that it might only be needed after the restriction is lifted. I mean as long as you are restricted another instructor has to supervise the flight/lesson - I just don't know if that means he has the overall resposibillity or if thats still with me? Anybody has any view on that I would like to hear it.