Before you go off on one at me. I did point out that I am not sure I agree with it.
I did my CPL at Bonus Aviation, I took the test at 15 hrs (already had an IR) and passed first time. I had nearly 2000 hrs at the time but did not think the CPL test was in anyway taxing.
There are only 2 aircraft insurers in the UK who underwrite with the same syndicates at Lloyds. I have been around aviation long enough to know how it works. So before you have a go at me I would suggest perhaps you might want to learn a little more. It is a great tradition of these forums to hide behind what an Insurance company "might" say. When you ask them them can't believe these type of discussions go on!
The organizations that I know of who use PPL Instructors charge the same rate to the student regardless of whether the Instructor is a PPL or CPL. Why should they charge different rates? It's only you assuming that a CPL is worth more than a PPL, when in fact when it comes to Instruction both have demonstrated the exact same standard. Perhaps if you went and did the FI course with the exacting test standards and pre-assessment you would understand that ANYONE who passes it CPL or PPL has made the grade to teach. While my views on hour builders are well known I fully respect those that have passed the FI course.