I think what you are expressing is the concept of the"betterment" which sort of insures back to new rather than back to condition. This certainly has been available in th past and I assume still is. It costs (a bit) more than the other form. Your broker should be able to advise on the different prices. Also the risk and the cost will be lower if you only insure a limited population of named pilots (or just you). PM me if you want a more detailed discussion. H-R