Maybe overkill but...
Thanks for input all, the quote I got was for liability and hull, i.e. maybe the hull part and also stand-still costss / loss of Revenue would be covered - now I agree that the hull part should be covered by the owner, however if this is not the case you may bet sued. The hull part is the expensive one, like 80% of the cost if covering 100 kUSD for one year. I will check with AOPA again to see if there is a liability only + excess. Thanks also for the tip re Medical cover in my travel policy, this is covered except for advanced flying which I will not do.