If I was an insurer, and I'm not...
I'd require a survey every few years for any "all risk" policy.
The reason is simple. If your boat has a "loss" the insurer has to pay. They have a reasonable expectation that the boat does not have or had not developed over time an issue that could cause the boat to be at risk.
Failure to know and verify the risk of loss for a vessle puts the insurer at risk, and raises the rates for everybody.
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