What if the boat is in both your names?
I have dual British/Canadian citizenship, but my wife has sole Canadian citizenship. While I could go through a lot of red tape for the "honour" of flying the Red Duster from my stern, I will happily live with the Canadian ensign and my home port of Toronto.
Interestingly, the Red Ensign is the merchant flag of the United Kingdom, and likely became the de facto civil yachtsmen's ensign due to an old law restricting the use of the Union flag (the familiar Union Jack) strictly to British Navy vessels. Thus Britain is one of the very few countries where the national flag is prohibited as a civilian ensign...it is illegal for a British registered boat to display it at the stern.
Conversely, however, it is permitted to use the Union Jack as a courtesy flag on non-British boats.
The whole lore of flag etiquette is fascinating and frequently bizarre, like learning about a Japanese tea ceremony and the 101 ways to spoil it via a slightly wrong gesture.
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