Be very careful with this, many insurers might not load the premium but even those that do may still not cover you whilst flying "other than as a fare paying passenger on commercial air transport". Just because they say it's "no problem" does not mean that you'll be covered if your demise is in a light airplane accident.
It's the same with travel insurance. Almost nobody will cover you for flying on holiday (eg 172 rental). You will be covered by the aircraft insurance whilst your own policy is suspended during your "hazardous activity".