I recall a Rotorheads(?) thread some time ago where a student went for his commercial flight test in Canada in a 206. When the examiner looked at his logbook he saw that all or most of the "solo" time was in a 206 with an instructor because of insurance requirements. He therefore didn't meet the minimum requirements and I seem to recall that he was denied the flight test. I don't know how it ended but it must have come as a shock to the unsuspecting student.