From previous customer experiences, think of it as two separate policies for one vehicle. On the water, it’s an 18-foot recreational pleasure boat with a HIN (Hull Identification Number) — insured through a marine policy as a recreational US coast-guard compliant vessel. On road, it’s a federally certified Low Speed Vehicle with a 17-digit VIN — insured through an auto policy. We provide complete documentation for both — HIN certificate, NMMA certification, VIN plate, and LSV compliance label — making the paperwork straightforward for any knowledgeable broker. We also have brokers that can assist with this.