We where insured with Edward Williams, we had 3 different claims all paid by them, One was for
lost mast, one for damge to
cabin and
outboard when hit, and one for stolen
dinghy.
Just make sure read everything well like keeping all the reciepts, photos, video
documentation.
In clarity they did not just pay out. I had to replace everything/fix everything at my own expense and send them the reciepts which they payed my back on.
Somethings depending on what they where they paid out on a depreciated value. Though they did tell me both before and after I could insure for an agreed upon amount.
Last time I was insured was around 4yrs ago.