Always discuss the deal before you accept a tow. If you’ve run out of fuel on a calm evening, a friendly fisherman might pull you in for a bottle of scotch, but if your boat is in undisputed danger and you accept a tug, you may be rendering your insurers at risk of a salvage claim. Be very sure the arrangements are understood by both parties. If the circumstances allow you ten minutes grace and you are in any doubt, contact your insurers if at all feasible. This may prove surprisingly simple in these days of the mobile phone.