Geez tritonglenn, which one of us do think is concealing stuff from our insurance agents?
I, for one, told my insurance agent everything about my boat that they asked; they got copies of all the appropriate paperwork; at no time did they ask me how fast the boat would travel or tell me there was a speed limit; so if at a later date they question the speed, from my foxhole, I would say they set an ambush.
I certainly don't want a discount that is really being underinsured in disguise.