Having just purchased a new boat, I am having difficulty getting insurance. I had a very good surveyor do a report and he spent a good 10 hours on the boat.

The items identified in the report are not major but just are not perfect and are defects. But a boat that has been round the world a couple of time is likely to have a few.

The insurance company wanted to see a copy of it and have said it is a lot more detailed that they usually get!

They have however said that they need all the items in the survey addressing before they will give cover.

The report is a good 40-page document and not all the items need addressing.

Having explained to them that this is a bit unrealistic, they are proposing to do exclusion "Excluding all claims arising out of failure to correct defects identified in the survey"

If there is ever a problem, I am sure that they will find a way of saying it was in the report.

Even if I address all the points in the report, there is no way of proving that they have been done without getting another survey.

What is the answer?