I have chartered 15 times in the BVI, each time through the Moorings. On three of those occasions, we did not pay to insure the vessel was not older than two years. On the other 12 occasions, we paid extra to insure a relatively new boat. On four of those charters, we needed to have a chase boat come out from the Moorings and help with a problem. One of those times involved a new boat but the problem involved our stupidity, not the boat! The other three times involved the older boats. The Moorings was there very quickly and got things fixed. That's why we keep going back to the Moorings, and keep getting newer boats.