Regs require IFR pilots to fly 6 approaches, a hold and follow a VOR
every 6 months to remain current. If you do this, you are allowed to
have
passengers while in IMC. This is legal. If you are outside "current"
; meaning
6 months and 1 day since you last fullfilled reg 61.57(c), then you can
only
fullfill this reg while in VFR conditions.

So, if a pilot is "in and out" of IMC while doing their 6 approaches
and they are outside of the 6 month period and they have a safty pilot
aboard, that pilot is not flying within the regs.

This is what I was referring to for passengers. Your safty pilot is a
passenager, even thou they are PIC. That's my understanding. If you
are
outside of reg 61.57(c) (6 months, 6 approaches, hold and following the
VOR), then you must remain in VRF conditions.

While talking to the insurance company, they informed me of the
following in general conversation... The safty pilot is PIC and if I
were taxing and dinged another aircraft, the safty pilot is
responsible. Also, I was told that
the safty pilot must be "ok'd" by us ( the insurance company) prior you

your flight.

So, I contact my club. They then told me that I can not simply asking
another VFR pilot who is current to fly with me as a safty pilot. I
think
we were all told in IFR training, that any VFR current pilot of type
aircraft
was ok to use. The club said that I must get someone
from the club to be a safty piloty and yes, it must be cleared by
the club first. So I figured that if the club must ok it first,
then the insurance company must have cleared a list of safty pilots
for that club. Check it out with our insurance provider.