Yes I know insurance contracts can never require you act illegally or benefit from illegal acts but this is a v grey area open to interpretation and I can easily see people being caught between two unfavourable interpretations - govt on one side and insurers on the other. Cantebury, anyone?
I know you and I have slightly different interpretations of UDHR but Article 17 sets out everyone’s basic human right to own (and protect) property, such as a boat.
So regardless of the the insurance angle, once again I see this lockdown as denying us freedoms that are enshrined in our human right