Firestorm you are of course right, which is why it will be interesting to see if the indian co-pilot in the Lionair crash originally came through the P2F route. Apparently he had a couple of thousand hours which would be two and a bit years there.
Not telling your insurer everything is of course a risky course of action as many claimants have found out in the past. I actually know someone responsible for the aviation line of business with one of the big reinsurers and will sound him out next time we meet.