Trek said..
Some know that I designed a boat monitor that probably would have prevented both these sinkings by telling the owner there was rising water in the bilge. As part of our marketing to get the word out I contacted a marine insurer to see if they would support my box as a side product. They weren't interested at all. Much preferring to allow the disasters to continue so their insurance premiums can rise and rise. Good grief!!
Tony, even without insurer support the reality is that the cost of the monitor is less than the insurance excess, and none of the accompanying drama.