I own an over 30 year old boat and my insurers required a full out of water survey last year before they would offer fully comp insurance . On contacting a surveyor there appears to be three levels of survey namely hull only, insurance company survey and then full survey. The insurers actually used the term full survey in correspondence but were happy for what my surveyor calls an insurance survey . I think a full survey would be the type a potential purchaser would require but the insurance survey was certainly comprehensive . I tried to find an insurer that didn't require a survey as I had heard Saga didn't require one , that was untrue and I failed miserably so had to stump up for the insurance survey . I wish you well in your search ,but in may be worth clarifying that when an insurer states they require a full out of water survey they will be satisfied with an insurance survey which is slightly cheaper .