Re: Insurance and cruising...
Boats on reefs in the South Pacific simply become parts of the reef. The US government has been sinking ships as artificial reefs, greatly enhancing the local fish populations there. We have been doing that here in BC as well. Not all the world is as paranoid and hipocritical as the US , playing the game of " Aint I politically correct" while dumping huge amounts of pollutants per year into the finite atmosphere. Someone who drives a car daily, while preaching about pollution to someone with an environmental foot print less that 1/10th of their own, is like the pot calling the kettle black. Actuallty it is more like the pot calling the shiny stainless spoon black.
Brent Swain, Yacht designer, Builder, and author of "Origami Metal Boatbuilding"