I may be missing something but...........
You said . . . . . . . . " busy in the summer down there but I get mine out every time as insurance doesn't cover the boat left on the water without me on it. "
Sometimes they all go home and if you're not back in time your boat stays tied up to the pontoon.
If I'm wrong then just ignore me but please check every possibility and make sure you're covered. Always worth more £'s on the premium to be sure you're protected.
Just my own thoughts.
Jim