Like I said, money talks. Those who have been informed that insurance is no big deal, show us the policy details please. I need this info bad. We are coming up for renewal in Jan. Are the numbers quted above- $20,000 for $1 mil hull mean that if he pays $50,000, his CJ1 is worth $2.5 mil? Also $10 mil liability may not cover a "bad" accident with an owner with deep pockets.