Sorry I have just done the insurance experence list for our fleet.
You are talking pish you need to be legal to be insured, it does actually state that all crew need to be legally licensed to fly the aircraft in the state of registery and area of operation. It also states that if we operate outside our area of AOC operation apart from emergency diverts we ain't insured either.
If your resorting to taking the piss out of my speeling and graamer which I am more than happy to admit are ****e and always have been after spending 10 years in remedial classes at school crack on . You can take the piss out of folk in wheel chairs as well next time you see one. But still I passed the ATPL theory first time and found it a piece of piss.
Never found my spelling and grammer have had any effect on flying a plane though.