Insurance

[turboplanner]

33 minutes ago, SGM said:

The $1584 is for $51k hull AND $1m Combined Single Limit of liability

I'd suggest you get some more advice.

Payouts for a death would be approx $3 million, injuries from a few thousand to a Quadriplegic around $13 million, so around $15 to $20 million PL would be the norm.

One issue with multiple covers, ie RAA for the $20 million external/$250,000  for passenger is that sometimes they don't agree; one might decide to sett the other not etc so it gets complicated.