I used to teach OUPV and 100 Ton Masters
License courses in the Northwest. We would get students who were
buying some big boats without much
boating experience. A lot of the students had been told by their
insurance companies that they couldn't drive their own
boat unless they had a captains
license. I imagine that would also apply in this case. Sure, it's your boat and legally, you can do whatever you want with it - but your
insurance company may have something to say about it.