Eric, what you have read is either the result of a poor school
system miseducating the author, or snarky snake-oil salesmanship.
""The bulbs used in Navigation Lights are part of the approval/certification."
Yes, and that is more correctly put as "Navigation lights are approved as a complete unit, with a specific bulb(s). If a different bulb is used, the resulting unit is different and the approval does not apply."
"Bulbs which are non-approved null-invoid your insurance
cover as your lights will not be in line with the regulations/certification".
Now, that's a total lie, since NO BULBS ARE EVER APPROVED. The more correct way to phrase this is "The use of bulbs which are not exact replacements
for the ones originally installed in approved lights results in the entire light/fixture being non-compliant with the approval, i.e. UNapproved. If your insurer requires USCG approved lights, as opposed to simply requiring lights which meet COLREGS standards, then the use of such replacement bulbs may void your insurance terms."
Now, does anyone's insurance actually require USCG-approved equipment
instead of equipment
that meets USCG (COLREG) regulations
? Probably for commercial
vessels, probably not
for recreational craft.
Whoever wrote those AquaSignal passages should have their high school
diploma or GED revoked, and if they've got a higher diploma, they should just be arrested for domestic terrorism. Shame on them!