Guide
Navigation limits: where your cover actually reaches
Updated
Every marine policy defines where it works. Owners discover the boundary by crossing it, which is a bad way to find out.
How limits are defined
Usually by named waters, by distance from a coastline, or by latitude, sometimes with seasonal variation. The definition matters as much as the area: distance from shore and distance from a safe harbour are different tests.
Ask for the exact wording rather than the summary, and read it against the passages you actually plan.
Seasonal clauses
Many policies restrict certain areas during named windstorm season, which is a common condition rather than an unusual one.
If your plans include being in a restricted area during a restricted period, that is a conversation before you sail, not a hope afterwards.
Getting an extension
Extensions for a specific passage are ordinary and usually straightforward: you tell the insurer where you are going, when, and who is aboard.
The cost of asking is a phone call. The cost of not asking is the vessel.
Delivery crews and yard moves
A passage under a delivery skipper, or a move to a yard outside your limits, can also fall outside cover or require notification.
Ask specifically about both. They are routine events that people assume are covered by the ordinary policy.