Thanks for the recommendation, but I was talking about
not hull insurance (and normally liability insurance if you are at fault).
Typically hull insurance on the boat does not cover yourself eg if you are overseas and need medical attention, or worse repatriation (which would not be covered by an European Health Card which only gives reciprocal health cover). It may be it is obvious, but I found my standard travel insurance policy would not cover me while sailing eg if I was flying to Spain to go sailing and I lost my bags, or had to cancel the trip then I would not be reimbursed.
Simple advice is to dig your travel policy out and check it.