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dont risk it bro if you cant afford to not be insured cos even if they say after survey your covered and happy to take your insur money at the end of the day they may use that against you in court if sum1 gets hurt in an accident and at the end of the day if your 90hp has made you happy all this time why wont a new 100hp do the job but hey why have insur if you dont know 100pc if your covered no matter what the sharks say id play safe but if you want extra ponies then i would do it if your boat transom is able to handle alloted weight and as long as it can handle twisting force of bigger outboard but id play it safe reccomended hp isnt just an insurance issue its safety and if you want more hp get a bigger boat that reccomends it and your insurance should pay.. hope this helps..
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