Travel Insurance - Who do you use?

Try re-reading the clause in brackets at the end of my second paragraph that you quoted.

Exactly. That would be a "risk that I can't reasonably cover myself ".

But it shows that whatever insurance you take out, you need to be very sure it will cover your particular situation. So often people claim only to find the insurance company wriggles out of it.

My favourite story was a colleague who was very insurance-minded. He wanted house insurance; the agent offered him three policies; much to the agent's surprise and delight he took all three. A year later he damaged the sink during a bit of DIY; much frustrating hassle later, no payout from any of the policies... At least if you "insure yourself" you avoid the hassle of claiming and all that entails.

Just to balance the picture, I made a claim on my boat policy with Noble last year and it was all settled without any hassle whatsoever.

They do a policy for yachties, are about £150 for a family, worldwide.

Yachting cover on most policies have some nasty cluases, but this policy is designed for yachtsmen, so there are no restrictions on distance offshore etc.