Graham,
I have insured with them since about 1994. This year they paid up for a new mast. The claim and settlement was dealt with quickly. I have an action picture taken in the Beaulieu river which appeared in an article in Yachting Monthly, May 2008, "There's a Seal on my Sail". It and others also features in a book "The Sailing Bible by Jeremy Evans who took the photos.I will email the photo to you. Clifford Miller. P275 Abacus