Not sure about this, but I think I've heard of cases where for a small extra premium the insurance company will let one named low hours person fly the aircraft - ie, they'll allow it for you specifically! If that'll work, it would probably be your most flexible and cheapest bet. Best thing to do is ring up the insurance company, expalin the situation, and ask.
Also, how does the group do its checkouts, if just another group member it may help for the insurance if the check out is done by an instructor - another bit to ask the insurance co. about!
