My opinion it was simply bad luck, should not have gone through the cloud, but bad luck all the same.
VFR/SVFR were the Rules he was supposed to be operating under.
When you fly through Cloud under those Rules you eliminate "Luck" and introduce "Fate".
I would suggest you read the visibility requirements for VFR and SVFR.....then reconsider your "Opinion".
The AAIB Report and all the comments that have been made about this sad event really boil down to a single very simple truth.
The aircraft was being operated in a manner that did not allow for avoidance of obstructions while operating under Visual Flight Rules.
That was the Pilot's own doing, everything else is secondary.
Count all the different times he could have said "No!" and could have done so quite reasonably.
That is the one thing that needs to be learned from Tragedies like this. A single word with two Letters is so hard for helicopter pilots to say.....even though it is begged sometimes.
The AAIB should examine that fatal flaw so many of us have. We all have it to some degree. Some of us have survived despite failing to find the ability to say that one single word at the appropriate time.
Usually one really good Scare and we seem to find it much easier if we are around afterwards.