I've actually had insurance companies offer me incentives to fly
un-airworthy (paperwork wise) aircraft to get them out of the location
they were in to a more secure location. The insurance company is
interested in preserving assets MUCH more than watching FAA paper
pushers. Reducing accidents would probably fall under that.

I have a friend who removed his shoulder harness after an IA pointed
out that he did not have the proper STC for the installation. I've
always wondered if he would have survived his crash had he had them. ;(

-Robert

Jim Carter wrote:
Since an AI isn't typically required for the right seat position in
light aircraft, why would the insurance company care? The OP asked about
using a 2nd AI as a backup. Do you think the insurance company would
rather not have a backup in place, or allow one that was non-TSO ?