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The GTS 187 Is a "jetboat", and has a "jetdrive" as means of propulsion. What kind of confusion is your insurance company giving you?
Hmmm... Not sure I can help you with this. Jetboats are more vunerable than other boats to damage, your insurance company is correct.
In technical terms it is a bowrider. But it still uses jet power/jet drive/jet boat as propulsion.
It really has nothing to do with being a boy racer. Has your insurance company explained to you why they charge more for these style boats?