A nurse will usually have to accompany the injured party, again this can cost a lot. If you were not able to afford an air ambulance you could end up in a foreign hospital flat on your back and away from friends and family for several months. Care must be taken when choosing an insurance policy to make sure that sufficient sums are available for medical, rescue and repatriation. The higher the value of the gear, the more important it will be to insure the item. Boats, helicopters, planes and gliders are all of considerable material cost and insurance against damage and theft will be considered essential by most owners of this kit.
Policies vary enormously between insurers.
For example, insurance of specific parts of a yacht such as masts and booms against accidental breakage will be an important consideration. Many policies do not cover the replacement of damaged rig when a faulty or worn out piece of kit was to blame. Clearly, the 'ins and outs' of boat insurance are a subject on their own and a full critic beyond the ambit of this piece. The point is, survey the market, note the differences and choose the policy that best covers your needs. Often this is best obtained by adding a specific condition to an existing household policy.