Skyhuck, apart form a bit of gentle sparring here on Arbtalk, all good-natured exchanges of professional opinion, I don't know you from Adam and frequently disagree with you ,but even though I have never walloped a cod in my life I have to find myself agreeing with you on much of this.
Mr AHPP, I think you are suffering from some sort of society-fatigue that we all feel about many things in the industry and in daily life a lot of the time. But it doesn't make it right in any sense that you should want to portray yourself as equal to insured parties who have tickets.
There seem to be a couple of overlapping issues here. For someone to be covered (and I don't mean their own a*ses, I mean those of the public and clients) you need to be good, you need to be insured AND you need to be able to demonstrate competence. All of these need to have been addressed. You can have 1 or 2 out of 3 but if it all goes horribly wrong you can't complain if your insurer leaves you standing when you injure a punter or an employee. If you have tickets and are nisured but you are a poor climber, commercially you will fail. If you are insured and are proficient commercially but cannot demonstrate competence in accordance with the H&S legislation, it is clear to me why your insurer won't cover you for accidents.
Try this. Get car insurance by claiming falsely that you have 20 years no-claims discount and a trailer license. Then get into a crash and see if your insurer doesn't do a bit of investigtion then drop you like a stone.
Yes it's rubbish that tickets are more valuable on the face of it than grandfather-rights. But that's the way the world is. Success is not by tickets, it's tickets plus ability. If you are competent, get the tickets. If you are assessed and pass, good and your insurance will be valid and you're covered by your insurance. If you are assessed and fail, well ...
Me, I've paid for my tickets and I pass on a fraction of that cost to each and every customer. I'm not fond of competing with people who don't have to do the same.
I think what we all need to remember about insurance is that if there's an accident the public is covered and then if it turns out the insurance is invalid because of false declarations or omissions by the insured, the insurer will turn on the 'insured' and rip the shirt off their back. Getting insurance without tickets may well be possible, but it's just gambling because you won't really be covered at all.