Bitter Sweet Yacht Club 

The aim of the activity is to promote and maintain the boating skills of its members, improve the condition and seaworthiness of the boats. The goal of the activity is to lower the threshold to join a boating club, so that as many boaters and boats as possible are involved in the club's activities, which have a long history in Finland.

Bitter Sweet Yacht Club works through the association, like sailing clubs do. The club minimizes all administrative costs so that members get the benefits of membership at the best price.

You typically get a 10-20% discount on boat insurance once it's been inspected.
In other words, Bitter Sweet Yacht Club membership pays for itself in the form of a discount on boat insurance. 
Bitter Sweet Yacht Club rules.