Malvizzu, generally insurance companies always issue 2 certificates, one (the original) is for the licencing department and the other (copy) is for you. With photoshop and sophisticated scanning software I don't blame them for requesting the originals - You'd be amazed

What could be done or rather should be done is link the boat insurances to the boat licencing department (same as with vehicle licences) and they can check online whether the insurance has been paid or otherwise.