Wait, so this means that the vehicle is insured and not the policy holder and named drivers, so that makes adding named drivers such as your friends or children to your policy pointless, because according to this insurance company, they'll be covered anyway
The stupid thing is, other than what I have already said, is that if the guy just crashed and didn't die, but caused some damage, the insurance company would deny that the vehicle was insured because the pilot isn't on the policy.