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In the case of a rental "without skipper", that is without you on board as a skipper, your boat must be covered by insurance for "peer-to-peer rental".
You can get this through your current insurance company.
For any rental "with skipper", that is with you on board in the context of a 'Co-Sailing' (ie shared sailing) arrangement, you need to ask your insurance to cover your Co-Sailing activities. You are in charge and thus responsible for the boat.
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