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The other consideration is that some countries require proof of insurance (which not all cruisers have because it restricts movements and is appallingly expensive). Some, like Italy, require Italian insurance, I believe, an awkward and deterring regulation. Having an internationally recognized and roughly equivalent certification, however, like the U.S. OUPV or the RYA Yachtmaster/Oceanmaster, can lower one's premiums because the insurance companies recognize them as establishing some sort of baseline in the way that showing a logbook with sea hours listed can't (you could have all your sea hours on a Baltic ferry run in the summer, for instance, or have them rounding the Horn, and they aren't exactly equivalent).

So for this reason, they are an investment of sorts.
 
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