I insured thru Pantanieus of London while in europe. in 5 years,
never raised a premium. when sailing back to the caribbean, there was
an increase for the transatlantic/caribbean but it was small.
the premium was not that large, about half of american companies.
only issue was I could not be covered in american waters.
friends with claims were treated well.
I believe Pantanieus here is based in Ft Lauderdale, and may have different
rules being in America.