It was blowing a gale here the other day when I was at the club and we were talking about x wind limits etc. I mooted the point that say in the case of the Warrior which has a demonstrated limit of 17kts; although everyone is confident they could handle more than that, if there was a prang of some sort would not the insurance hawks say 'Well the weather at that time was 19kts across so you were flying out of limits therefore no pay out.' ?