Rob, I hope England is nice, we had snow there visiting last May. You might think the spring breaking was the "accident", but that probably depends how the policy defines "accident".
My policy gives my insurer, the biggest marine insurer in Australia, the right to require me to dismantle so they can take a look, I`m guessing if they say "no" they don`t "remantle" either.
Insurance works best with goodwill both sides, if not, it`s a minefield. Reputation in business is everything, insurers should recognize that.
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BruceK
2005 Integrity 386 "Sojourn"
Sydney Australia
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