I will always argue for proof of insurance at our regattas. Two years ago we made it mandatory, and it did force a few sailors to get insurance the days before the regatta that did not have it. Then on Friday night a squall came through and tossed a number of boats. One of the owners whose brand new boat was tossed got insurance the day before, and yes he was really happy he got it.

Yes he was... It was insured with Progressive, within a week I had a brand new hull and the boat was ready to go!