Lancair, Captain Claret said right at the beginning
Couldn't go too far wrong with, "G'day Bill, I'd like to hire your aeroplane from time to time, is it available?", could you?
That is the right answer for now.
All the other issues are a part of the risk analysis, and how those risks are managed forms the next part of the discussion.
On insurance, discount it as an issue. My aircraft policy says if I have approve the pilot, then cover is the same as if I were flying it. Pretty sure most of them read that way, but even if they don't and different insurance is needed, the cost associated would be down to you.
Apologies...mine is only a 2 seater and is on the Limited Register...