If you're renting and the hull is also insured in addition to the public ans third party risks it does not been you're safe from the courts in the case of hull damage.
The word to Google is "subrogation" and you need the hull policy to include a subrogation waiver in yor favour - most do not hence the renter policies that Avemo, AOPA egc push so hard - and most of those cover the excess and legal fees for the basic price, for full-protection thepremium is not far off the cost of a separate policy.
Also look to your household insurance cover - it may cover rented sports/recreation equipment - could be nteresting roping in an airplane under that class.
Anyone know how the GBP35K cases have progressed?