>>>Can anyone recommend a good insurance company that has decent terms
Yes the terms are crucial as they vary betwen insurers so some include/exclude stuff that may be crucial to you like speed, age of users, craft age, time left moored etc. I like the online outfits like Craftinsure where you can download a sample policy to see the small print before deciding rather than rely on a telephone sales advisor telling you what they think are the important bits.
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