Parallax wrote:
JAX's comment about insurance in my thread about lightning strike
probability got me wondering. Most of the real sailors I know are ppl

I do now- have to have liability to have a marina space, had no insurance
whilst cruising though, as I remember very few cruisers did, simply too
expensive.
I remember one couple who were pitchpoled off the S African coast- hove to
on the 100 fathom line in a storm, baaad idea. They were towed in to our
port, claimed on insurance for, among other damage, a bent mast, and were
told " Sorry, you were only covered for the Caribbean", they successfully
claimed their insurance premiums back for the period since they had left the
Carib., and the proceeds more than covered the damage :-).