Does aircraft insurance pay for stupidity?
A thread on another subject prompted me to pose this question which hopefully some of you with legal / insurance backgrounds might be able to answer.
Where damage/ loss of an aircraft occurs and is directly attributable to the PIC breaching CARs, CAOs, AIP, AFM etc, does the insurance pay and pursue the pilot in question? Or can the insurance company wipe their hands of the matter and say "sorry, the aircraft was being flown in an illegal manner".
Gotta admit I have never looked closely at the exclusions applicable to any of our aircraft insurance but with some of the daft things pilots get up to it leaves me a little concerned.