Hi, I'm new here, so excuse me if I'm sticking my nose in to someone else's topic, but I have some similar (and some rather different! ;-D ) problems.
I've bought a boat which has been out of the water for 7 years, so if it had a BSS certificate and a licence once, they've long ago expired. I have managed to get insurance for the boat, but currently my son and a mate are working on it to get it fixed up to comply with the BSS so that I can get the certificate, then the licence, then a mooring. So yes, it's possible to insure a boat without the BSS etc.
However, I'm wondering what exactly is the legal position re a boat that has had a licence in the past, but it expired long ago? Everyone talks about getting a new licence before the old one expires, but what about getting a licence after a long gap? My son (who is working on the boat at present) recently was spoken to by a BW patrol office about the lack of a licence and was given a card with contact details, but he wasn't sure exactly what he was supposed to do about it.
Leni :-)