Marine insurance surveys are required periodically by insurers. The vessel is inspected in a similar manner as for pre-purchase survey, but the focus is on the risk the vessel presents to an insurer. These reports exclude points that have no effect on safety or insurability. The emphasis is on the most common risk items, such as gas, fuel and electric systems, masts, spars and rigging, rudder, keel, keel fastenings, hull, shafts and propellers. An insurance survey report costs less than a full survey, as the reporting time is reduced. If there are any significant faults, these will be discussed with the customer to give them an opportunity to fix them before agreeing terms with a broker.