Re: Apparently I'm not meant to have a boat...
I guess I'm missing what is covered here. If the skipper caused the damage, is it insured? Does it have to be an event that was beyond anyone's control. Confusing.
Anyway, did you use a broker/agent or buy direct from an insurance company? These are circumstances where having a broker/agent can really pay off. The technically represent the insurance company, but have a higher vested interest in keeping you as a client.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.