What does your tariff carry, and what do you carry yourself?

The scale puts a set of typical claim patterns on one side of a beam and a tariff tier on the other. Every risk carries an amount that stands for a common claim of that kind, not for your boat in particular. Choose a tier, tap the risks that could realistically happen to you, and the beam tips towards the side that ends up paying. The list under the buttons repeats each risk you picked with its amount and a mark for whether the chosen tier includes it; the badge in the corner of the stage sums this up as a share.

The verdict line answers a single question: what you carry yourself at this tier. A gap in the list is not a grade for the tariff. It marks a risk that this tier does not address, which you can accept knowingly or close by stepping up. The share depends entirely on which risks are on the scale. Put on one risk the tier includes and everything reads as covered; add a large uncovered one and the share drops sharply. So compare tiers with the same set of risks, otherwise the figures say nothing about each other.

Where the limits are: the amounts are orders of magnitude, identical for every boat, and a real payout depends on the sum insured, the deductible, the cruising area and the exact wording of the exclusions in your contract. The scale treats a risk as either in or out, while a policy often includes it with conditions, for instance a ceiling on salvage costs or a requirement that the boat was moored as agreed. The tool also keeps liability and hull apart: a personal injury claim from a third party is answered by the liability side of any policy; the hull tier only decides what happens to your own boat.

Typical mistakes: choosing a tier by premium and then tapping only the risks it covers anyway, reading the share as a rating of an insurer, and confusing a covered risk with a fully paid one. The useful outcome is the list of uncovered risks. Take it to any policy you are considering, from whichever insurer, and check the wording for each of them before you sign.