Actually, the policy covered the WHOLE thing except the deductable! ie BOAT US was BOTH boats insurance coverer! Sailboat racing and Predicted timelog races ARE covered under MOST policies!
Yes, I think I was wrong about that. I mixed up my own boat's policy with the policy a local charter company used (which excluded racing accidents).
And speaking of charter companies:
Here's a question from the sailing resume for the charter company in Florida I've used.
Docked a boat of more than 34’ under sail? Yes __ No __
I don't know about you guys, but I would hate for the first time docking under sail to be on an unfamiliar boat and with a bad engine. An unfamiliar boat is bad enough, engine that won't start is worse, first time docking under sail, no thanks.
If I chartered a boat and the engine failed, I would NEVER attempt to sail it into a slip. I'd call the charter company and seek instruction, and I would expect them to take me through a checklist of items ("did you reopen the fuel cutoff last time you shut down the motor?" etc....), and if that didn't fix it I'd expect them to hop into a powerboat and come fix it. In fact, now that I think of it, the one charter that I did had explicit instructions to call them and/or their designated towing company if anything went wrong, so I severely doubt that they would allow you to sail their boat into the dock.
In fact, if I owned a boat that was out for charter, I'd expect the management company to do that as part of their service. I certainly would not want some hotdog to try to sail my boat into a slip.
I really never expected to see so many people with such disregard for others' property. If you keep your boat in a boat club where it's customary to sail into the slip, then you've bought into the risk, and when someone plows into you, you asked for it. But please stay away from my marina.