Yes really. I started a free-sailing session in the Noway-North sea region and with the Lattitude. Once under way I explored the ship with the roaming crew person. Being an inquisitive sort of chap I exited the bridge out the portside to the top of a set of steps, but instead of going down them I turned to face the ladder , pointed up as far as possible and pressed the forward arrow. I then found I could climb up (slowly) but, near the top I fell. I went through the ship into the water and floated there as it sailed away.
I tried a reset and this time the ship sank! (only visible in the outside view). Another try at climbing (naughty me) and I fell in and went under. I have photos to prove it All good fun but now I suppose I must be dead. That'll teach me to try and go where I aint supposed to.