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Well, the problem here is that all our prejudices get thrown into the mix. The insurance companies often work off those same prejudices in preparing their actuarial tables (at least that's how it seems to me).
One person (such as myself), is going to say the only safe sea boat is a full keel, narrow beamed, traditional monohull.
Another will say a fast boat is better because it can get out of (weather) harm's way.
Then someone will say fast, light, shallow draft, etc. etc.
You could argue any of these positions (although the last seems a difficult case), and you can probably muster statistics to back up your position. People who pore over actuarial tables are (I'm guessing) not cruisers themselves, so what makes them better able to sift this data? Yes, it comes down to money for them, and that's a motivator to get things right. But, for us, it's about our own skin, and to me that's an even bigger motivator.
Last edited by sneuman; 05-18-2006 at 10:27 PM.