I used to have the same thing, but it stopped when I upgraded/renewed my system. I think it may be a RAM problem. These games are very "memory hungry." Even with 2 Gig there's still "stutter" on the campaign map when I get near a convoy and the game begins to process and render the individual ships.
BTW I've found the best time to save is when you decide to go after a particular target. That way if you do have a CTD you can follow Maraz's advice and vary approach etc; or, if you miss you can have another crack at it; or if those verdammt escorts get you you can re-fight the engagement
Good hunting!
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