Trying to get a general idea about insurance and boats. 12 foot wide v aluminum, just used for fishing. 3.5 miles from the lake, all Township roads to and from. Vehicle ins. covers it while connected to truck. Anywhere from 5.5 to 10hp engine. This summer old friend who likes to fish and helps tremendously loading and unloading says he's babysitting grand kid now kids asks to bring him now them along which puts me in a bind without ins. on the boat. It's an old boat and I can easily picture ins. costing more than I paid for it. Whatta ya do jeopardize a lifelong friendship and say no or tell him to get their parents, both who I really don't know, to buy ins.? I have no plans to pay the ins. for that reason alone and I sure don't want to get sued without it.