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)
A fair number of UK policies have some clauses written into them; one I remember is that (my words) "the boat is not covered for damage sustained in a race started in above F6 bf"
