Pace I have sent you some more information.
For the purpose of the general discussion I hope this doesn't degenerate into too much ill informed discussion about insurance and what is or isn't possible.
I suspect we all know that some groups, renters etc use all sorts of devices to create an income stream - sometimes it is justified, sometimes not.
The Cirrus is a high performance aircraft and understandably insurers want some comfort as to how the aircraft will be operated. There has been enough old wives tales doing the rounds and undoubtedly some of the stories have caused the insurers to look more carefully at their requirements but the insurers aren't as stupid as we sometimes like to make out. The market is driven by risk assessment not risk perception.