Marinas require you to be insured. Life ain't that simple.
But this thread is/was not about having insurance but about making a claim. I can imagine that for a boat of little value, say <£5,000 it could make sense not to insure its fabric, only third party, but it is less obvious whether one should make a claim for damage costing £800 on a boat worth £50,000. Very many years ago we had an Avon Redcrest stolen which I claimed for, but in the end I probably paid out more in premiums or loss of bonus than I gained, not to mention whatever excess I had to pay.
Insufficient data to answer the question. Depends hugely on the size of the potential repair bill / claim.
That's the point. We can EASILY cause damage to a third party that would bankrupt all but the richest of us. Someone mentioned damaging a superyacht; that's probably on the low side of potential damages! Sinking in the fairway of a major port would very quickly make the £3,000,000 that my marina asks for in third-party cover look inadequate. And a commercial vessel can't take the attitude that it's only a scratch - if there's a potential for damage, it will require inspection and loss of earnings, delay payments and whatever.
The Warsaw Convention (superseded by the Montreal Convention) only applies to aircraft.
When were you last asked for proof of insurance from a marina?
There was something like it then, at least when I read about it in 19 70-something, and I’m fairly sure that the principle originated with shipping.
Every year, though I usually beat them to it.
Every time I have been hauled out. Probably 20 times over 40 years.
You are not thinking this through logically.
