Glendlegoon
Insurance stipulations are often added by the operator to suit their own interests!
I used to fly a Seneca Five for a private owner! The aircraft was managed for him including a pool of pilots available! This operator had high twin hours added to the insurance requirements for more reasons than just to bring down the premiums ! He used that as a reason to the non pilot owner to keep up the day rates and ward off lower hours pilots who offered to fly for the owner at much lower rates!
So don't think the big bad insurance companies unilaterally add all these restrictions the operators play a part too and often either for protectionism or to increase usage!' Not our fault mate that you have to do a 10 hr conversion! Bloody insurance!"
Nice little aircraft which was much much more fun than the PA28 was the Grumman Tiger
Pace