Jemax, I presume you read about the job description aspect of these policies? I mentioned it years ago but will re-iterate for newcomers:
If you are simply described as a helicopter pilot, it means they won't pay out if you can technically continue to be a helicopter pilot anywhere in the industry. If you are working as a single pilot operator, then this insurance will not protect your current job as the company will presume you will go work for a twin pilot operation??? It simply won't pay out
Let's see where LOL insurance in its original format, won't pay out:
UK police pilot
UK HEMS (single pilot ops) pilot
Crop sprayers
Corporate pilot (single pilot ops)
Charter pilot
AFI / Instructor (unless the student accompanying you is already qualified on type)
Private yacht pilot
All of the above assumes your licence has been suspended and not revoked.
If it is revoked you will always get a pay out.