ylop
Well-Known Member
Insurers don't really analyse risk the same way that you or I do. They look at statistics, and statistically a lot of people have made the UK-Portugal journey without expensive claims (I suspect in general the most expensive claims happen when you hit other things (especially other people) which is probably less likely in the Bay of Biscay than Poole Harbour and total losses probably happen more often when nobody is on board than on passage?). From an actuarial perspective there are probably relatively few claims from that sort of crossing because most people that do it would be fairly competent.Q: How do these people get insurance?
I do wonder if any of them might run into problems with a big claim if the insurer realises that essentially "Youtuber" is a job, and they are effectively using the boat for a commercial purpose.
in fairness to this couple I don't think they just did some online courses - they both did DS practical I believe? I've not watched the episode, but she's not new to Youtube and a little over sensationalized drama. The success of the channel seems to suggest there's an audience for it. I don't understand Patreon but there are obviously people who want to be part of the "adventure" vicariously and are willing to chuck cash at it.You can buy a boat, spend 6 months fixing it up, do some online courses, buy safety gear - but you cannot buy experience - watch the latest episode and see the fear in her eyes when the wind got up.
its pretty much guaranteed - people came a cropper on sailing adventures long before Youtube. Does youtube indirectly encourage them to do stupid things? Perhaps, but success on YT isn't necessarily about real life danger, its about good camera work, video editing and telling a story (probably with stupid clickbait titles and thumbnails). In fact, for people documenting their own "drama" that's actually a lot harder to do if you are in real difficulty, and in sensible passages is rather dull - hence why most YouTubers are documenting their repairs/destination/domestic arrangements not the actual sailing.One of these channels will come a cropper one day, I hope not, but it will happen one day.
