My gut says more likely to try a stroke (not saying this was the case here!) on someone without insurance
to cover - as otherwise they are dealing with insurance
companies who a) have heard it all before and b) have bigger lawyers with unlimited budgets to argue with the Charter Company ("Looks like wear & tear - we don't care what your diver thinks he saw last week, no out of water inspection
by 12 surveyors. and their Mums
means we don't beleive you - see you in court")...........and besides, Charter Company don't want the premiums that Customers pay for their boats to rocket.
Overly Cynical? Rarely dissapointed