Insurance companies being what they are, set the rules, they write the clauses, and they (mostly) decide whether or not a claim is justified, and being that it is in their self interests as to whether or not they "pay out" they are often a "fairly hard nut to crack". We (as the consummer) only have the choice of accepting their "policy" or rejecting it. If we reject it we have NO cover at all. If we accept it then we have to play by their rules.
If there is another option tell me (other than NOT sailing at all)
Darryl,
I still think you have missed the point. It's your choice to sail or not. If you choose to sail then stand up and take responsiblity for your actions. If you get hurt or loose your boat it's on you! The organizers, the insurance company or God don't make your decisions, you do! So it's on you if you screw up!
For those racers to get upset because they broke their boat going through the surf and then blame the RC for not calling the race is just (to use Wouter's description) STUPID! Every one of the Texel teams pushed their boat into the surf under their own free will.
If you can't afford to break or loose your boat and you don't think your insurance company will pay out then your decision is easy and you have a tidy excuse for not sailing.
Besides were talking about 60 mile weekend distance race here. Honestly I probably would have stayed on the beach if I were at Texel, but I sure as hell wouldn't want the race called because I pussed out! That's been my point all along.
Regards,
Dave
