At the risk of sounding rude here....the reason insurance is such an issue is way far too many people have claimed on their life insurance as a result of gyrocopters.
I know when approached by those kinds of pilots to do Biennial Flight Reviews (BFR's in the old days of the FAA)...I not only refused bluntly but went on record as denying ever had any contact with the applicant. I did not want a lawyer representing the dead guy's next-of-kin to have any reason to chat with me.
I view gyrocopters in even greater disdain than I do Robbies....and I will walk a mile out of my way to avoid one of them things.