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What does boat insurance cover and why do boat owners need it? Mike Taylor reveals what lies behind this outlay

Isle of wightUnited kingdomRiver hambleMike reynoldsTor johnsonRupert smalleyGraham nixonAdam summersbyTony pauffleyRoyal southern yacht clubSimon winter of marineDorset media serviceFinancial conduct authorityCoastguard agencyRoyal ocean racing clubHamble river sailing club