Bose-X,
Nobody is hiding behind anything. I simply pointed out a few POSSIBILITIES that may arise from a failure to be compliant with an insurance policy. I do not know the Ts and Cs of everyone's insurance policy (or anyone's for that matter, apart from my own) hence the reason I did not make any absolute statements and used potential scenarios only.
If insurance companies are happy to insure PPL FIs all well and fine, that is their business based on their risk assessment, but I would not be so bold as to make a sweeping statement infering that ALL insurance companies will insure PPL FIs on the basis of one telephone call to one insurer....or is there only one aviation insurer in the UK?
But I do know that failure to comply with the conditions of an insurance policy will be seized upon by the insurers to avoid payment. That I would bet my mortgage on.
If the CPL Skill Test is easy and is just a test to re-prove you can VFR navigate what is the point in testing the other areas of the CPL Skills Test and why is the criteria more stringent than that required for the PPL? Out of interest, when and where did you do your CPL Skills Test and how many hours did you have at that point? I only ask because you are the first person I have ever come across who has described it as easy.
Why shouldn't CPL FIs be protective over the professional instructor domain? They have put a great amount of time, effort and money into achieving their qualifications. BTW, at this stage in time I am not one but I am working towards it.
That isn't to say that just because someone does hold a CPL it gives them carte blanche to claim he or she is a better pilot or instructor than a PPL holder - that is definitely not the case.
Instructing ability is a different kettle of fish altogether but I do have a little trouble understanding why someone who has gone to the trouble of taking the CPL theory exams and the (more expensive) FI course (and potentially proved himself to be a competent and capable instructor) doesn't then undertake the CPL course so he can be reimbursed for his efforts - within a few years the CPL would have paid for itself, even on a part-time basis. It is also a practical demonstration of his ability to reach a standard of flying utilising criteria higher than that required for the PPL.
Of course, there may be medical reasons why he can't hold a CPL and that is a different issue altogether?
Last question, those schools you know of that utilise CPL and PPL FI's, do they charge different hourly tuition rates?
In any case, enough points for discussion for now. Bon soir!