Ramy Yanetz wrote:

snip And as far as I know, flying with out of
pack chute should have no impact on insurance claims.

Some years ago I asked this question of the Costello agency (US - SSA).
Their reply was that flying with an out-of-re-pack-date 'chute would
NOT invalidate one's insurance. Expanding on the reply, they went on to
say violation of an FAR would (in general) NOT invalidate one's glider
insurance, UNLESS the violation had a causatory influence on the
accident. (How wearing an out-of-repack-date 'chute would do that -
well, in the absence of 'chute-induced-aerobatics - is difficult for me
to imagine.)

Not that I've had reason to test the valididty of what I was told, but I
thought the stance refreshing in its common sense.

Bob Whelan