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The main points to consider are what is your budget, have you got the necessary sailing experience and qualifications to manage the boat if it's not going to have a skipper, whom you are taking sailing, where exactly you wish to go and what will the weather be like on the proposed dates of your trip.
You will typically pay 50% up front on booking the yacht hire and the balance on arrival. You will either pay a security deposit with your credit card on departure or can get insurance covering damage in advance. In some cases (such as the recent Covid situation) charter companies may be more flexible but this depends on the individual charter companies themselves.
If you are at sea and in danger, call MAYDAY on VHF Ch16 or ring the coast guard on your phone if you have reception. If you have a mechanical fault and can make it to or are on a mooring you will be able to phone a help line number given by the boat charter company.
You should consider do you have the experience to handle the yacht charter or boat hire before you book and where do you want to go along with what the weather will be like. Bring warm weather and cool weather clothing if it looks like the weather can be cool as well as warm and remember at sea it can be cool on most evenings.
If you want to sail without a skipper then you will need relevant qualifications like RYA Day Skipper/International Certificate of Competence (ICC)/ASA 104 Bareboat certificate or the US Sailing Certificate. For small 'day boats' or if you choose to have a skippered on board your yacht charter you typically don't require licences.