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That's a shocker, Bugman - good luck with the insurance, how about letting us know the name of the company if they treat you exceptionally well/poorly?
A good tip i got from the water police here is that if you're anchoring overnight, then tie off through the u-bolt where your winch cable goes - just means that if things turn nasty and the boats straining on the anchor line, it's less likely to have its nose pulled under.
Cheers and good luck
Yockman