Provided the school is open to it, you could negotiate with the insurer to be added as a named pilot on the policy, over here they will generally stipulate a safety pilot for the first 25 hours.
The issue isn't that they will necessarily charge you more for the premium, they may just load the deductible for the first 100 hours or so which would require you to put a buy-down policy in place.
Ultimately it comes down to what the school is comfortable with.