Insurance?

[jamie N]

Insurance is something that's frequently discussed here, whether it's still valid for sailing over 12/18/24 hours solo on passage from A-B offshore for instance. What sanction is there for someone who isn't insured on passage, because he's done 25 hours sailing, and is only allowed a 12/18/24 'slot' under his insurance?
Of course, the insurance company would only come into play were a claim to be made, but is there any maritime authority concerning insurance in international waters? If I arrive at Torshavn, I might (just) have to show my insurance, unlikely, so having sailed a minimum of 38 hours (say) the insurance would have been invalid for that period of transit. I'd imagine that the harbour master there will only care about me being insured within his authority, and provided that I've not broken anything on my boat that's claimable, who cares?
Is this a good thing, or am I being too influenced by watching Police car programmes, or something else?

 

[Biggles Wader]

UK boats don't need any insurance by law but you will need third party liability to moor in any reputable harbour. I assume the same applies when UK boats are anywhere in international waters but might be subject to local requirements on arrival.

 

[jamie N]

Actually, I think my question's been answered above, by UK boats not being required to have insurance; it's only required by certain facilities such as Harbours. What happens outwith that is my problem, unless I have an incident with another vessel, where it's really my problem.