Insurance?

[mjcp]

Why would it not? This is the nautical equivalent of drink driving and at the very least costs would be recovered.

In your example, where a DD causes a 3rd party harm, the 3rd party is still covered by the DD's insurance.

Sources:
Road Traffic Act 1988 dictates that victims of your driving must still be compensated: The Road Traffic Act 1988 (Section 145) mandates that motor insurance policies cover death, personal injury, and property damage to third parties. If a driver is uninsured or untraced, the Motor Insurers' Bureau (MIB) must compensate victims, ensuring third-party victims receive damages regardless of the driver's insurance status.

 

[Alan S]

Effictively there IS mandatory third party insurance in UK if you want to visit a marina.

 

[ylop]

Effictively there IS mandatory third party insurance in UK if you want to visit a marina.

And this thread was about the validity of that insurance if you arrive there singlehanded after a prolonged sail and prang someone elses boat (or your own) on the way in.

 

[lustyd]

In your example, where a DD causes a 3rd party harm, the 3rd party is still covered by the DD's insurance.

But as I said, insurers then recover costs which ruins most people so they’re effectively uninsured.

 

[dunedin]

Yes, everyone's circumstances and attitude to risk is different. What suits me does not seem acceplable to you.
Fair enough.

Kind of also depends on the value of the boat and scale relative to total net worth.
My ancient Laser dinghy is worth a couple of hundred quid and hence is currently uninsured as not in use.
The big boat has comprehensive insurance as our second biggest asset after house,