If it was Hot ,I wouldn't worry about insurance, I'd just go heist another one.
I got it sorted, all good.
"I said, now, I said ,pay attention boy!"
The cure for anything is salt water - sweat, tears, or the sea Isak Dinesen If a man is to be obsessed by something.... I suppose a boat is as good as anything... perhaps a bit better than most. E. B. White