[Vasco]

When my CS36 got hit by lightning the insurance company paid the boatyard promptly. I had replacement coverage and got all new instruments. I think the total bill was in the region of $15,000. Absolutely no problems. This was in 1995. Four years ago I was hit by an idiot while I was anchored off Normans Cay in the Bahamas. This was in broad daylight, about nine in the morning. The idiot was looking at a laptop on a cockpit seat and steering by that instead of looking ahead. Yes, there are idiots like that out there! Any way the repairs were fully covered by the insurance company. I did not have to pay a cent. These were two different companies. I have not had a problem with insurance companies and would not dream of sailing without insurance. Many marinas and boatyards will not let you in without proof of insurance.