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"if a boat is 23ft or under irrespective of age no survey is required"
This is true with Craftinsure which was why I was asking about the length of the boat. I noticed you are still seeking a survey on another thread. For a boat like this you do not need one to insure it fully comprehensively!
Alternatively insure 3rd party damage only and bank the survey money for a rainy day. The value on total loss if not an assured sum is likely to be market based... look at the state of the market, seems to be awash with bargains compounded by fewer buyers. Of course if the survey is for real concern and life safety ie a bigger boat going to sea then that’s a different matter. I’d be surprised if such survey didn’t find some resomania/ fibreglass madness viz osmosis though...