Amadis, our insurance stipulates no single pilot with pax {My pax are rather "high value" to quote the underwriters} but we somtimes need to position the aircraft single pilot, when we do I have raised the limits by 100 feet, we have very good nav systems but the auto pilot is pretty basic, so single pilot he/she will have to be up to it, a standard they simply dont obtain by being taught IFR by instructors who have NEVER flown in actual IFR, ice/short runways and poor braking, lets face it, the system is broken!