When you make a decision to do something, always imagine how you would explain it to a board of enquiry if something went wrong. How would you justify to an investigator why you decided to land with an excessively strong crosswind and ended up off the side of the runway with the landing gear collapsed ?
An experienced pilot would be expected to exercise better judgement and an inexperienced one would be expected to know his limits so you can't win.
Whilst an insurance company may pay out, they may go after the person that caused them to pay out. Of course you have read all the fine print in the policy, and are up to speed on all aspects of the insurance laws ?