I used to love the BVIs cause you never had to worry about any of this nonsense...
So when chartering from Moorings etc, you can buy the insurance for a week for the tune of $500 just to bring your deductible from $2,600 to $1,600????? How does this make any sort of sense? A 20' inboard ski boat and a 33' sloop in PA cost less than that to cover for a full year with Boat US including towing.