Matt, Chloe and Tina: 2 - Summer Holidays
Copyright© 2026 by Dionysos
Chapter 33: Island Hopping to Trogir.
Coming of Age Sex Story: Chapter 33: Island Hopping to Trogir. - This story follows on from ‘Matt, Chloe and Tina: 1 – Getting Together’, where the two now 16-year-old girl lovers met 24-year-old Matt and became a threesome. School was now out for summer, so it was holiday time. Matt had become Chloe’s lover first and her mother had asked if she wanted him to join them on holiday in Cornwall. Tina was reluctantly going with just her parents to an exclusive resort in Spain.
Caution: This Coming of Age Sex Story contains strong sexual content, including mt/ft Ma/ft ft/ft Consensual BiSexual Heterosexual Fiction Group Sex Polygamy/Polyamory Slow
The next morning Jake and Maria still managed to get up before the others to prepare breakfast, although they did look a bit rough around the edges after their late night. Matt and the girls did not look much better and even his parents were a little bleary-eyed.
As they were finishing breakfast, Jake gave his usual morning briefing. “Today the plan is to sail the 22 nautical miles to the little island of Otok Scedro. The wind is forecast to be from the North-East as usual, around force 4 to 5. So an easy beam reach of probably a little over 3 hours. So, we should arrive in time for lunch and as it will be quite early, I’m hoping to find a tiny bay that was recommended by another skipper. It only has room for one yacht, so we should have it to ourselves.”
“Goody!” Chloe exclaimed. “More skinny dipping!”
James and Matt looked at each other smiling. They obviously liked the idea too.
They were soon underway and had a pleasant sail with both girls managing to get their fair share of time on the helm. Matt and Jake spent time explaining the instruments to the girls. They were particularly interested in the large screen of the chartplotter and the log showing the boat speed.
As Jake had predicted, they arrived at the pretty little bay and were delighted to find that it was empty. The bay was a deep V shape, narrowing as they reversed in. Matt was on the helm with Jake on the bows, ready to drop the anchor as Maria was busy in the galley preparing lunch. The girls were left to prepare their own shorelines and had lowered the bathing platform ready. James and Georgie were sipping champagne, watching the manoeuvre and happy that the girls had become part of the crew.
Some distance from the head of the bay, Matt called out “Fifteen metres!” and Jake dropped the anchor and then laid the chain along the seabed as they continued to reverse, ever more slowly. When Matt held up his hand, Jake stopped letting out the chain and when the yacht came to a standstill, Matt shouted “Go girls!”. They quickly dived into the water and began swimming the lines ashore. Tina was the first to tie the end of the rope around a large rock, shouting “Line fixed!” closely followed by Chloe. Matt pulled the slack in from both lines and used the winches to pull the yacht back a little further. When both lines were holding nicely, he shouted to Jake who tightened the chain to leave the yacht firmly in place.
The girls stripped off their bikinis and rinsed off on the bathing platform, drying off most of the water and wrapping their towels around themselves, under their arms. They arrived in the cockpit just as Maria was serving lunch and sat down to join the others.
“This is an amazing little bay and so private” Chloe exclaimed. “There’s no room for any other boats to fit.”
“So you can skinny-dip even before it gets dark!” Matt replied.
Chloe just chuckled. That was exactly what she was thinking, and after they had let their lunch go down, they all jumped into the water, naked, to cool off and swim around the yacht. The afternoon was spent swimming, sunbathing on deck and relaxing in the cockpit under the shade of the bimini.
After dinner they sat around the cockpit table chatting. Chloe looked over to James. “So why did you change to a smaller yacht, James?”
“Well, we used to do a lot of corporate entertaining, so the extra cabins in the 90 footer meant that we could have three other couples on board. We often had my managers on board too. Anyway, as the kids grew up, we needed one cabin for Matt and his girlfriends as well as one for his sister, Rebecca and her boyfriends. Nowadays, it’s my senior managers who do most of the entertaining on their own yachts and since Rebecca moved to Australia, we only need one guest cabin for Matt and sometimes for friends.”
“Do you just sail around the Med?” Tina asked.
“Nowadays, it’s usually just in the Med and some winters the Caribbean, although not this winter as we’re going to Australia for a couple of months.”
“One year we did the Oyster Round the World Rally” Georgie added. “That was amazing!”
“Wow! I bet it was!” Chloe remarked. “I’d love to see your photos.”
“I’ve got some on my iPad, so I’ll show you later” Georgie offered.
“Did you never sail in England?” Tina asked.
“We did, for many years” James said. “I had a racing yacht based in Cowes, which is why we joined the Royal Yacht Squadron. When Matt became National Junior Laser Dinghy Champion, he was invited to join too.”
Chloe smiled “I knew about the RYS because he had to show his membership card to get us into the yacht club in Fowey, but he never mentioned about being a National Champion!”
Matt smiled too. “It must be time for night swimming!”
The girls just grinned at him and went down to the bathing platform where they took off the towels, the only garment they had been wearing throughout dinner. Matt was close behind.
“Back flips?” Chloe asked Tina.
“Together. Ready, steady, GO!” Tina replied.
After their reverse somersault, both girls entered the water together smoothly, feet first. Matt decided that it looked easy, so had a go too, but he landed partly on his stomach, fortunately remembering to cup his balls as he hit the water. The girls laughed at him, so he gave chase, causing much squealing as he grabbed hold of them.
Everyone was soon in the water, swimming and fooling around until it got late and they drifted back to the bathing platform to shower, before going down below to bed.
The next morning at breakfast, Jake got their attention and started his morning briefing “Today we yet again have a forecast of north-easterly 4 to 5, so another good sail. We can either go and moor in the small harbour of Hvar or we could spend a last night at anchor in a small cove on Otok Sveti Klement. They are both about a 2 or 3-hour sail.”
James said “Girls, the night after we will be in the marina opposite Trogir for your last night, so what would you like to do?”
“Anchor please!” Tina asked.
“Me too!” Chloe agreed, “but I’m not sure about the sweaty place.”
Jake laughed “I suppose it could get sweaty, but you can always jump in to cool off. Anyway, it’s Sveti with a V, spelt S V E T I, which means Saint.”
“Saint Clement Island it is then” James confirmed, “but as it’s only a short sail, you’ve got time for a swim first, if you like. You too Maria and Jake.”
“Yes, please!” Chloe and Tina both replied and they then went down to their cabin to undress and reappear a couple of minutes later with just towels wrapped around themselves. They dropped the towels on the bathing platform and jumped in. They were soon joined by the others, swimming and floating around, chatting.
They made it to Sveti Klement in under two hours and Jake found the little bay that he was looking for. It had rocks on either side with a tiny sandy beach in the centre. They anchored at the end of the bay with the bathing platform facing the beach, some 30 metres away.
“Jake, how come you either find empty bays with only room for one yacht or get the nearest spot to the beach, before anyone else arrives?” Tina asked.
Jake smiled. “Well, to find out about the best bays, you can get some ideas from the nautical pilot for Croatia, which is like a tourist guide for yachts and when I meet other skippers, we swap info. To be first in a bay you have to be early and get lucky. The charter yachts often like to sail for longer so, if we arrive early, we have a better chance of getting the best spot.”
“And it worked again!” Chloe said.
“Yes, but this bay is a bit larger, so we will probably have one or two yachts anchored further out later.” Jake warned.
“So, if you’re shy, no skinny-dippin till after dark!” Georgie said, laughing.
Tina looked at Chloe and grinned “They won’t be able to anchor close enough to see much anyway!”
“Every yacht carries binoculars” Matt said, “so you might not want to get caught wandering around the deck naked.”
Soon after lunch, everyone jumped or dived into the water to cool off. Chloe, Tina and Maria were all naked, but the men wore swimmers and Georgie had her bikini bottoms on. After a while, the men and Georgie got out and went to get drinks. What no-one had warned the girls was that yacht crew sometimes use their yacht’s tender to explore around the shoreline, which is what soon happened. A small tender with two young men came around the headland and into their bay. It slowed right down, respectfully as it neared the yacht, keeping as far away from it and as close to the shore as possible, greeting them with a friendly wave as they went past, towards the beach.
Chloe and Tina looked at each other, giggling and not sure what to do. If they swam away, they knew their bottoms would be exposed provocatively. Backstroke would be even worse, with their nipples pointing skyward and at least their pubic hairs exposed, even if they tried to keep their legs together. So they ended up sort of drifting towards the boarding ladder, trying to stay as upright as possible in the water. When they reached the boarding ladder, they realised that the two young men had pulled the tender up on the beach which they were now lying on, sunbathing and giving themselves a direct view of the aft of the yacht and the swimming platform. The girls had all been thinking that they would stay in the water until the tender went away, but it now seemed that this was not going to happen for a while.
“I’ll get out first” Maria volunteered.
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