Well, insurance issues are always tough nuts to crack and things have not been getting any easier over the past couple of years. Our own Lloyds agent dumped us shortly after 9-11, even though we had been with them for 10 years, sailing all over the Pacific and never ever submitting a claim.
So now Rivendel II has been uninsured for the past 4 years and it does not make us sleep easier, especially now when the first South-Pacific cyclones of the season are starting to rear their ugly heads again...
Even if you do have a longstanding track record with any agent or company, they don't like to change their empirical time/zone restriction rules. Try to find out if that particular rule also exists if you have at least 3 experienced offshore-sailors on board....
Yeah, I understand that might create other problems. However, I have seen people find crew members for this type of "rough" spring delivery trip on some of the bulletin boards (where plenty of sailors are getting stir crazy). So, you never know.
Best of luck