yep, i just went through the same thing with club. they only insure for market value upto the amount you state. i requested a qoute from them and they asked me the 'type of boat' ,'suburb and value'? and then they popped out a figure and i asked them 'what about where the boat is stored ie behind locked gates off the street, locking devices and my age'???? apprently this made no difference to the qoute which was were the conversation ended. i am very suspect of club...