Insurance out of hand? - AOPA flying clubs high perf retractable

Just a question to see if this is typical. Evidently the only agency now
willing to insure Flying Club high performance retractables is AOPA. Its
great they are stepping up to help AOPA members, we have a 210 and Avemco
has left the market.

However the new policy in effect for our club will be 250TT (good - it used
to be 350), 50 hours retractable, 25 in type. Is this typical for other
clubs with AOPA?

Who is going to be willing to pay for 25 hours with an instructor? Remember
this is a flying club where members supposedly are able to move up to planes
as they gain experience. That is a lot of money and time to haul an
instructor around if you were able to get Bonanza or other comparable time.
Even 25 hours dual is not enough if that is the only retractable time. Then
a potential student is looking at 50 hours dual with an instructor or else
find a club with an Arrow I guess.

Did the high performance airplane just receive a death sentence for clubs?

Ron