Which aspect does not affect the liability coverage of a yacht owner’s marine insurance?

Liability coverage in marine insurance primarily focuses on factors that directly influence the risk associated with operating a vessel. The presence of on-board crew is significant since it impacts safety and the potential for accidents or injuries, thus affecting liability. The type of water navigated is crucial as different waters carry different risks, including navigational hazards and regulations, which can alter liability exposure. The value of the yacht also plays a role, as higher value crafts may require higher levels of coverage due to potential loss risks.

In contrast, the indication of prior marine experience, while relevant to the competence of the operator, does not directly impact the liability coverage provided by the policy itself. Insurance liability is mainly driven by the characteristics and conditions surrounding the marine operation rather than an individual's past experiences. Therefore, the correct answer reflects a factor that is less directly tied to the insurance parameters.