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Electronics are great to help someone improve during practice (that is why its called practice), but the race should be in equal boats vs other sailors. If some device is telling you what to do, it is not sailing against other sailors, nor are you even sailing/racing anymore. You are just following. If that is what someone wants, no problem, there are boat classes that allow that. Hopefully, this class will not be one of them.
Without a doubt, you best protection for liability coverage is to have a separate boat policy. It protects you for damage you do someone else’s boat, if you hurt someone else, or if they hurt themselves while on your boat. You can add damage to your own boat if you choose to do so.
Be careful in relying on your homeowner’s policy. Yes, in most cases (but not always) it covers owned boats under 26 feet. But many policies also contain further exclusions so that coverage is not afforded if
1. you are involved in an organized race (sometimes this does not apply to sailboats as long as you don’t use an engine)
2. the boat has a motor (including electric), although most policies say that it has to exceed 25 hp (anyone got a 25 hp enging on a FS?)
3. Anything else the company does not want to cover.There is no such thing as a “standard” policy, every company varies. Nor, is there such a thing as an “all-risk” policy, there are always exclusions.
Companies vary widely in thier coverage. You need to ask you agent under what circumstances you are not covered for liability to others or damage to your boat under your policy – when it is at home, in storage, attached to a vehicle, or on the water.
Disclaimer: I am a Chartered Property and Casualty Underwriter (CPCU), but I haven’t dealt with personal policies in probably a decade. I work with commerical policies for Fortune 500 companies and they tend not to own sailboats, or at least, ones not so small.
quote:I know my Flying Scot is insured while being towed by my car via my auto insurance policy.
Only if you have a special endorsement, which most insurance companies will not grant.
Your trailer is covered, but not the boat itself.
If by “pointing down” you mean straight down, i.e., turtled, I think that you will need outside help.
If she is on her side and the board is up, I think the only shot that you might have is to lean against the bottom of the hull and use one of the sheets (or, perhaps, the spinnaker halyard) to try to pull it over. [?]
