What should a yacht owner ensure before sailing in different waters than stated in their insurance application?

A yacht owner should notify the insurance company before sailing in different waters than stated in their insurance application to maintain compliance with the terms of their insurance policy. Insurance coverage is often tied to specific geographical locations, and sailing in unapproved or different waters can expose the owner to risks that are not covered by their current policy. By notifying the insurance company, the owner allows them to assess the risks associated with the new sailing area, which may lead to adjustments in coverage or rates to ensure adequate protection.

This communication is crucial because failure to inform the insurer could result in denial of claims should an incident occur in these new waters, as the insurer could argue that the policy was breached. Having clear communication about changes in sailing locations ensures that the coverage remains valid and reliable, protecting the owner's investment and peace of mind while at sea.