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 tow willy-nilly, you may be rendering your insurers at risk of a salvage claim. Make certain the arrangements are understood by both parties. If the circumstances allow you ten minutes grace and you are in any doubt, contact your insurers by mobile if you possibly can. It could save you more than any other call you make.