Originally Posted by Doug Stormforce
You can insure yourelf on their boat...
Sorry this was a typo, should have read you can't insure yourself on their boat...
To clarify the boat owner needs to add a sail training indemnity ( I know you are talking power but thats the name) to their policy, as Paul sais there is not normally a charge for this. The owner remains the skipper on paper and is therfore responsible for the vessel. Your public liability covers you if they decides to take legal action agains you for anything you have done.
The RYA insurance ONLY covers you on RYA courses at RYA centres. It does not for example cover ICC training and Yachtmaster Preperation as these are not RYA courses, they are prepartion for RYA assessments.
Marine and General (david Brett)
Navigators and general
When I used to freelane I paid about £100/year for a skippers policy and about £30/year to have instructing on top, this was global power and sail. Marine and General organised it, however I belive they have discontinued this policy now- ask David he will know what is the best option