"Hilton" wrote in
ink.net:

Robert M. Gary wrote:
The insurance deals with "pilot flying" and doesn't care one bit about
who is "PIC". PIC is an FAA thing. If a unqualified pilot has their
hands on the controls the insurance isn't going to pay regardless of
who is PIC.

Can you back up these claims?

It's simple. The insurance company will do everything it legally (or not
so legally) can to prevent paying. That's what insurance companies do.

--
Regards,

Stan