Originally Posted by whisper
I'm not saying there should or shouldn't be
But if the cost was £29.99 and it reduced your insurance by the same if not more?
(1) It probably won't be that cheap. MoTs are £45 ish and don't have the word marine in them! They are relatively easy to carry out once you have the ramps , rolling road etc, and focus only on the things which directly affect safety; and are based (for most vehicles at least) on type approved designs. The vehicle always comes to the testing station. A straightforward test is what half an hour? A fail (with free retest) often generates some extra £ for the tester. Not sure any of that will be true for a boat. Without the need to get one for VED (tax disk) and the presence of ANPR/VOSA Database I wonder how many more cars would be driving round without an MoT.
(2) The number of expensive outcomes for insurers which a boat test certificate would prevent will be tiny. Consider the worst case for an insurer is you kill someone else (usually operator incompetence). Next would be a total loss of the vessel, mechanical failure might be part of that - but reliability of engines wouldn't be tested. A chunk will cover accidental damage - like ripping the leg off on a rock. A good chunk of the premium is for theft/vandalism. Sinking randomly is rare, probably rarer still on boats which are insured, and rarer still if you are not the sort of boat which insurers already expect surveys for (every 10 yrs? for large yachts). Even if every breakdown resulted in sinking they still wouldn't be able to prevent them as most breakdowns are fuel related - which won't show up in a spot test. Insurance is probably less than £300 a year for most people. Are 10% of all claim values avoidable with good maintenance?
Now SeaStart probably could run a deal where - you get the boat serviced at an approved dealer and a 'clean bill of health' and then save that sort of money on membership? Especially if they got a small 'kick back' from their approved dealers!