Here's a thought... or at least the kernel of one...
MarkJ mentioned Moorings and Sunsail as examples of as and when insurance
CF represents a lot of boats with a huge combined buying
What are the chances of getting an underwriter to structure a policy for members here, similar to a charter
company policy, where there is a continuous annual premium being paid by a CF group, and members could avail themselves of cover for a time period/size of boat formula. Any actuary worth his salt
and with a bit of imagination could come up with something workable.
Those seeking to be part of it may need to form a sub group, and it may be necessary to throw in a bit of beer money
monthly to make it workable, but if the overall annual amount is low it could be worth it...
OK, ball's in play.... somebody else give it a kick