Hi englishal,
This policy also covers any Qualified Flying Instructor, Assistant Flying Instructor, or any Airworthiness authority approved pilot.
May I most earnestly suggest that you should verify with the insurance company direct whether this clause does, or does not, include a CRI. This should be done
in writing, as information given in phone calls is deniable and emails do not provide adequate court evidence.
The question is not whether the CRI is, or is not, a 'qualified flying instructor' (or an 'airworthiness authority approved pilot' for that matter). The question is whether
the insurance company considers that
for the purposes of their policy this person should be regarded as belonging to one or other of these categories.
If this matter is left in a state of uncertainty, and a claim should later arise, then irrespective of whether this issue is a material issue in the circumstances of the claim, if its very existence should come to the attention of the insurance company, they just might try to use it as grounds for refusing payment of the claim. In that event, you only recourse would be to sue the insurance company in the courts, which could be expensive.
(This is exactly what has been happening with critical illness insurance and I see no reason why some of these companies would not attempt to save themselves some money by trying it on with aircraft insurance).
Broomstick.