(old work mode on)

It will break down into a collection of seperate covers (coverages as per US speak)

1, My boat is covered on my motor policy while being towed by the car.
2, It's covered by household (and marine policy) while on the trailer at home or the sailing club.
3, It's covered by the standard risks on my marine while tied to the ground at the sailing club.
4, It's covered by standard marine while not racing.
5, It's covered by additional cover for racing.
6, It also carries a 2m GBP 3rd party cover.
7, It's covered for 30 days racing risks in mainland EU as a standard extra on the racing risks cover.
8, Racing risks cover is for up to 10 miles off shore - well worth checking how far


You just have to make sure you have all the bits in place that you want or need.

points 2-8 build a risk profile, value of boat (plus other bits) go into a calc and out pops a premium.

(work mode off)

(I worked for an Insurance package Software house a while ago )