Spanner in the works
Surely It's similar to car hire I rented a car fully insured all I had to do in case of accident was to pay the excess of 1500, I could if I wanted take extra insurance out that was my choice
I insure my helicopters 3 rd party because it's cheaper ,why shouldn't other people be allowed to do same especially if it made a good enough saving on training and SFH you have already said it was in the terms and conditions
Your venom against the owners of flybpl maybe clouding your judgement