Why don't you start your own thread where you can air your grievances about yachting or climbing hills or leaving the front door without insurance? This is about a round the world yacht race and associated preparations, not legal and insurance matters. Most insure. Just a few didn't. There seems to be a bit of a monopoly on insurance that is very expensive and often doesn't pay out.I see there is still no rescue plan or race insurance. Some won't even insure their own yacht. These selfish people have no regard for those who are put at risk trying to rescue them.
Vendée Globe: how are the boats insured? - Tip & Shaft