Re: Weasel words...
"No, no Mr Insurer you misunderstand. We were so keen to ensure your client's launch was a success, that we fully tested the first stage by launching another satellite with it."
As amusing as that is, insurers thus far haven't inflated the premiums for re-flown Falcon 9 first stages. The fact that no additional charge is being applied is actually being seen as a pretty significant thumbs up from the insurers on the idea.