I have recently re-insured our rib with Navigators and General,we chose to stay with them for two reasons,namely price and ease.We enjoyed a good no claims discount and a further discount for being (ex) Westerly owners.
My issue is now all the dust has settled and we have read the schedule thoroughly is the cruising range.I'm limited to coastal only even though it's a "B" rated boat.
They are not interested, quoting of all things the high incidence of rib's being rescued after running out of fuel!!
I have presented a lengthy argument to them including my qualifications,RYA/DOT yachtmaster theory holder and the fact I was insured for channel crossings with them on our previous boat and that we have a number of channel crossings under our belt,all of which to no avail.
The point i'm making of course is read your policy details carefully,a gift horse isn't always as it seems.If you see us in Alderney,i'm the one with a 100m exclusion zone around,drifting in the harbour unattached to a bouy and not getting off for a pint