I agree. I have confirmed that CYOA is indeed $100 per night with a deductible that varies with the boat. The one I'm looking at has a $3000 deductible. For a 10 day charter this would be $1000 and you are still on the hook for up to $3000. I have no problem if I mess up and cause some damage that I am responsible for it. However for a $1000 mandatory "insurance, I am not getting much relief. I have chartered many times in the BVIs but this seems to be out of line with other companies. I wonder if this is a new trend or just an one off. I wonder if this will affect CYOA business.