The insurance company will put up their premiums due to a perceived increase of risk
and then after an accident say no payout. The increased premiums hurt everyone. But I digress...
Photos are an interesting one. A PPL flys a helicopter and either him/her or a mate (pax) takes some photos. The photos later get sold as calender folio, etc. This would then be classed as a commercial operation, but at the time the photos were taken, it's just a photographer having some fun and seeing what works.
How can any regulator enforce this?