Yes, as you have found, the disadvantage of frames is that Google will
only index the "content" pages rather than the "frameset" page, if someone
finds a link to a page in your site, they will go to that site (or direct to
that page) rather than to the frameset that loads both the navigation frame
and the main content frame. For example if they search "Iceland" and find
your page "Iceland Underwater", it will only load the "Iceland Underwater
Page" without your left navigation bar.
However instead of using frames (is there any particular reason you are
using them?), you can explorer other alternatives, such as Shared Borders,
or 'include pages'. You might need to re-arrange your navigation to the top
of the page so if the person comes across your site through Google or other
search, they will have the navigation there on the page.
Interesting facts: - Someone driving their car off the jetty into the
harbour - is that a frequent incident, given that you're on the diving
rescue team.....?
;-\
Hope the above advice gives you some direction to consider.