I read threads on here from time to time where a poster will claim that if you do (or do not) certain things on your
boat your
insurance will not pay out in a claim. Some of these off the top of my
head include:
Not using an
anchor light
Not using a USCG approved
anchor light
Not taking keys out of
engine when not on
boat
Not properly winterizing your boat
Drinking while at anchor (under
legal limit) and something happens
Running aground with minor at the
helm
Clogged scuppers resulting in sinking
Not shutting seacocks when not on boat
Not using "proper"/adequate ground tackle - dragging anchor
Damage caused by owner such as running into a
dock or another boat when going to fast, etc.
Any damage or injury as a result of poor seamanship
Of course it depends whether one has a comprehensive
insurance policy or one for liability only and the specific terms of your policy.
I think it would be interesting to hear what everyone's experiences are with their own boat insurance and how they feel they are covered.
Frank