I think I had a good ins. policy, although I never tested it, from USAA insurance. I had to pay about double for the "racing" coverage, which they told me covered damage from colision or capsize, etc., hulls, mast, sails and equipment. I don't know if I would have had problems collecting if I had trashed the boat doing a Texel type race...

Obvioulsly if you go out in those conditions you are accepting some of the blame. But the fact that many did survive, complete the race with no get, and there was a new record set, could work in your favor when trying to collect, I would hope. I only worry about collisions with another boat which is out of control.

The best thing to do in that situation is find another skipper and tell him you will gladly crew for him, on HIS boat! Right Dave?? (re. Eustis a couple years ago, cold front) PS, Dave you need a refill on your 1design beers!!