OK,
Don't believe in p*ssing insurance companies around, although to "name and shame" Halifax/Bank of Scotland/Lloyds TSB/TSB have done that to me after a hangar fire caused by our neighbour.
However, student does lots of training, passes exams and GFT, sends off paperwork.
If paperwork wrong, then they are still a student. So covered as a student.
If paperwork correct, then they are still a student until it is issued - because they are not a licensed pilot (where is your licence, sir/madam?)
If licence issued, they might still be a student. Training is now required - and has always been advised - after licence issue. Not all training is dual. So still a student?
Ultimately, as I say, I don't like to p off our insurers. For claims we have made - rather than making off other people's insurers - they have been excellent. And we like to make sure we are fully covered. It costs, though!
So we are actually covered in the policy whether or not the person is a student.
To that extent, where we are concerned, the above is therefore irrelevant.
But BUYER BEWARE!
Even if you are a basic student or experienced renter make sure there is valid insurance in place at all times.