Insurance ?

I received my insurance update information today for my RV-6.

My policy is a "named pilot" only policy, which means Patty Wagstaff or Sean
Tucker wouldn't be insured on it unless they were approved by the insurance
company and added to the named pilot list. Fair enough - I'm the ONLY pilot
on my airplane.

The odd thing is that the underwriter wants me to apply for named pilot
status for any instructor I use. They want hours, time in type (and exactly
how many flight schools have RV-6's for instructors to build time in?),
tailwheel hours, etc. Makes absolutely no sense to me, because whoever is
in the right seat when I'm getting a BFR isn't a "pilot" as such. S/he
doesn't have access to throttle or brakes, and I usually don't even have a
stick installed on the right side.

So why does the insurance underwriter want to limit me to "named only"
instructors? The instructor can't be PIC and can't wreck the airplane, so
why does s/he need to be named?

Makes no &%$!! sense to me.

KB