Ryanair have a very positive risk profile in part created by a zero loss history.
Reports in the media about the airline contemplating charging a Euro to go to the loo is light hearted and funny and gives free publicity but reports that cast doubt over safety can damage the bottom line and need to be managed very carefully.
The other danger to the airline is that at renewal of insurance such incidents could influence an underwriters perception of the risk being presented and the airline will need to demonstrate clearly and convincingly why they deserve a good deal.