boomerangben
Well-Known Member
I have some sympathy with the “what will the insurers think….they will want to make insuring singlehanding harder/more expensive” view of publishing such an account. To be honest, it’s a bit late given it’s on a public forum of possible publishers. But I wonder if the opposite might be true - we all know the reason for MIAB reports is to find answers why and lessons to learn, so why not “I learned about sailing from that…..” reports, enabling others to learn from the mistakes/experiences of others, thereby making the sport safer. I don’t know how insurers statistically analyse a relatively low population when in comes to yacht insurance but if their premiums are based on safety stats, wouldn’t sharing experiences result in fewer incidents and therefore cheaper insurance?I hope you reflect on this before deciding to publish this voyage in any sailing magazines.
It is increasingly difficult to get insurance for responsible single handed sailing. Yacht insurers may (ie are likely to) have a different risk appetite from yours. It would be a shame if these sort of stories result in further restrictions on single handed sailing. It must be a concern hearing of people treating their policy time constraints with such complacency.
Yes I am aware that most insurers (currently - ie if we don’t abuse this) allow some flexibility in the 12 / 18 / 24 hour restriction. But earlier you reported this was a 174 mile trip. No passage plan could make that into a reasonable 24 hour voyage for a cruising boat with circa 28ft waterline. 120 miles might be considered a sensible limit to allow a safety margin (unless a racing scow).
We all make silly mistakes and errors of judgement - I make lots. Particularly when tired. Fortunately we get away with them at least 99% of the time. But it is important to admit, even to oneself, that these were errors of judgement and make sure to learn and don’t repeat.
From the insurers perspective failing to check fuel for a 100 mile plus passage would raise a few eyebrows, but most likely be accepted as an oversight (though probably would have been a less than 5 minute task, even taking the few seconds to lift the teak cockpit grating).
But failing to stop after 24 hours at any of the many harbours, or better anchoring for rest (even in fairly deep waters, kedging for a few hours with anchor light and anchor drift alarm on would surely have been possible) when admitting to be very tired, but then going on to do 174 miles might be justifiably considered as simply abusing their offer of some flexibility on the 24 hour limit.
And when going to sleep when underway, the boats that might be close to you in 2 hours time could easily be 30-40 miles away when you last checked before going to sleep. They may not even have left harbour at that time.
I fear stories like this could result in some insurers reducing the single handed time limits and/or removing the flexibility currently offered, to the detriment of the many others who need insurance for singlehanding.
