Vessel Assist is included in my Progressive Boat Insurance Policy. When I go to the river to freeload (with out boat) I usually slip my buddy a $$$ Benjamin $$$ and that always puts a on their face. Before I bought my 1st boat (creative thinking) I would walk down a ski beach (back in the 70's) with ski in hand and offer a $20. for gas for a ski ride. I skied more than most people without even owning a boat...