Daryl, Wasn't inferring that you had any false time in your log. After having been an instructor since 1967, I have looked at a lot of log books with dubious entries. I think a combination of Time Requirements for Currency, For Ratings and for Insurance, may have added to this. I went through one of the Rating Mills in the mid 60s where you went from zero time (I already had quite a bit of time but much was prior to my age being old enough to qualify to solo) to a Commercial Pilots License with an Airline Transport Rating, which in those days was a rating prior to the establishment of the Airline Transport Pilot.
Things were turned around in those days. Part 141 Schools required 35 hours for a private, 160 for a commercial, 250 for an instrument and then 1,200 for the ATR. Amazing how many people seemed to be able to take check rides earlier in the same environment of school every day. Most graduated in 2 years with a total of 1,500 hours and the additions of the Lear and MITUBUSCHI types, Seaplane, CFI, CFII, CFMEI and Basic and Advanced Ground. No requirement in those days for Complex, High Performance, High Altitude etc.
My eyes really got opened when I owned three Beech Duchess's and a 310 and ran a Multi-Engine Training Program in Chicago. I was one of the few places that would rent out a twin. The Duchess, being a simple aircraft (A Beech Sierra with a second engine) had reasonable requirements:
Private Pilots License
Instrument Rating (no specification for proficiency or currency)
25 Hours of Dual in Make and Model (PIC Time in Made and Model did not count. Had to be with an instructor. - I only mentioned that since when I bought the first one, I could have gotten a check out in an hour or two and then risked flying without insurance until I logged 25 hours, and would have not satisfied the insurance.)
I had pilots come to me to rent, with newly minted Multi-Engine Ratings showing 5-6 hours of dual and a 1 hour check ride and then a bunch of solo PIC time that I knew was bogus. A quick 20 minute flight would prove it.
I lost a lot of business when I told people looking for the rating that I required 13.5 hours minimum to complete my Part 141 Course and that it was not guaranteed although we did have an examiner on staff. I knew from rental applicants that one of my competitors gave 3 hours of dual, penciled in a total of 6 in the log book, prepped the student on the three questions that the on staff examiner would ask and if answered correctly would be the end of the oral, and exactly what the check ride would be. The examiner was in his 80s and frail. I knew the guy.
One pilot that applied with me for a teaching position had taken his multi at the same guaranteed school and then with 2 more hours of real dual added to his log book and 10 hours of PIC added in, took his MEI. It was from the same examiner and was in the winter. Why do I mention that? Well the guy told me that his instructor told him to climb in the plane first and fly from the left seat because it was easier for the examiner to not have to climb over the passenger seat to the pilots seat at his age (it was in a Seminole with only one door) and to tell the examiner that the heater was In-Op, which was already placarded as such. His resulting MEI ride took .6 and he was a newly minted CFMEI.
After 30 hours with me in the Duchess, he started instructing for me and did really well. Unfortunately is next job was flying a Beech D-18 solo delivering checks for old fashion clearing, and one Chicago winter night, bough the farm.
Some 500 students later, there was one failure and zero accidents.
I think the insurance companies go over board in order to make sure that there is at least some real proficiency. Otherwise they would need to start to hire examiners to do a phase check with a prospective client before issuing insurance. They don't make much money if the first year an owner pays them $3,000 and then totals the airplane and has a claim for $100,000.
Sure things will work out. At this point in my flying career or lack there off, I wish that insurance was my only concern. There are some that fly without it.
SUPPORTING MEMBERBobWest Nyack Aviation, L.L.C. New York, New York - East Hampton, New York & Warwick, New York email@example.com