"Michael" writes:

[...] In other words, the idea that you're uninsured when overgross
is a myth. You're covered if you are drunk, overgross, and fly into
an airport without a clearance. Exemptions are clearly stated.
[...]

As a contrary data point, my (Canadian Marsh/Lloyds) insurance
includes an explicit requirement to stay within W&B limits to retain
coverage.

- FChE