EC31 said..
I had GIO do the same thing to me at the end of December a couple of years ago. Luckily I had heard on the grape vine before hand and was able to get an out of water inspection before everyone shut for holidays. Now with Club Marine, no problems so far, which has included an at fault claim.
My boat is now over 40 years old, so they are asking for an out of water insurance survey before the next renewal, which I have done as part of the anti-foul maintenance.
Our sailing club racing is sponsored by Pantaenius. A couple of members have signed up with them and have had no problems. They have slightly different terms and conditions tho, some of which impacted me.
Know of some pretty awful refusal to pay by Pantaenius recently.
In both cases, they were happy to accept riggers/surveyors reports and for the customers to pay their premiums, but when something broke and masts fell down, they went along way to make sure they didn't have to pay