Pantaenius doesn't publish an age at which it wants a survey. Its UK yacht hull insurance FAQ says underwriters may ask for a recent condition survey in some cases, more commonly on older boats.
When a survey is asked for
Before cover, at the underwriter's request. A recent purchase survey may be enough. Once cover is agreed, Pantaenius says further surveys usually aren't needed unless the boat's condition, use or value changes materially.
Its article on what insurers don't like adds that a custom or home-built boat inspected by an accredited surveyor reassures insurers, and lists worn out rigging among the signs of neglect.
Rigging
The FAQ says Pantaenius doesn't generally set fixed maintenance intervals for parts such as rigging. As guidance only, it notes that many owners check the rigging visually every year and have it inspected in detail every 4 to 5 years. Replacement is commonly considered within 8 to 10 years.
Proper maintenance is a policy condition all the same: the boat has to be kept seaworthy.
New for old
When older parts are replaced with new ones after a claim, a deduction may apply, at an age set by the policy wording. No deduction applies to repairs to the basic hull and deck structure, rudders or labour.
For the surveyor
With no fixed thresholds, the underwriter reads your report to decide. State the rigging's age and source, or say it's unknown, and keep the maintenance items apart from the safety ones. Axsail asks for details you skipped while you're still on board, so the report doesn't go out with gaps.