My experience with BVI liability insurance is VERY negative. I had BVI liability insurance and when there was a claim, the insurance refused to cover. (Of course giving an excuse) Cost me out of pocket a HUGE amount of money. <img src="http://www.traveltalkonline.com/forums/images/graemlins/thumbsdown.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/thumbsdown.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/thumbsdown.gif" alt="" />