As often happens in forum threads, I believe this is spinning a bit off track.
No where did eillac say there was no insurance. Given the fact that he/she was concerned enough to ask the question about liability, I would suspect that there is coverage. But that was not the original question.
The original question concerned who is liable, insurance or not, if an incident happens with an unlicensed operator. A valid tangent could be the same question for a licensed operator as it may not make a difference.
In the end, the lawyers will try to go after anyone they can in a given situation. The best you can do is reduce your exposure by,
a) having insurance
b) being careful about whom you allow to use your toys
c) getting good legal advice.
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