Water Operation 'grey area'
Ok, I heard the reason there was an issue, checked myself and sure enough this guy was correct, there is a problem with some insurance policies especially for those 'not covered for water ops'. Like most, one considers water ops (and its risk factor) when actually "on the water" like if your taxing or about to takeoff and hit something like a boat, pier etc. The trouble is and the example I was given was - if you took off from Rose Bay, crashed on short final at Perth Airport (yes an amphib we're talking about) then you would "NOT" be covered for flight because you conducted "water operations"! yet the definiation of Flight 'internationally" is either a) when under under power or b) when final cabin door is closed thus even water ops your covered under these terms.
It does open up a can of worms I must say - and if you check CASA's defination of 'airborne' for single engine and twins its amazing what you find. Some say, it's airborne when 50' above the surface/ground, others say its the height equal to its wingspan!. Personally I take the risk on the water, if its rough I don't land, if there is traffic (water) I go somewhere else thus reducing the 'risk factor' BUT when airborne I expected to be covered which it appears we are not. My policy is now fixed thanks to this guy, took a bit via my brooker but my advice - check policy and if need be, find another before its too late!
Happy Flying - I think
FP