A marine surveyor is the only person in a boat purchase with no interest in the sale going through. Their job is to examine the hull, structure, systems and equipment and report what they find: osmosis blistering and moisture readings on a GRP hull, plate thickness on steel, fastenings and frames on timber, keel bolts, rudder bearings, chainplates, gas and electrical installations, and the age of anything safety-critical.
There are three surveys owners commonly buy. A pre-purchase survey is the full examination, done out of the water, and is the one that saves or costs you real money. It is normal for the report to shift several thousand pounds of negotiation. An insurance survey is narrower: insurers typically want one on boats over roughly 25 to 30 years old, repeated every five years, and they are looking for seaworthiness rather than cosmetic condition. A valuation survey supports finance or a claim settlement.
A survey is not a guarantee. It is a professional opinion on what could be seen on the day, with the boat ashore and the surveyor's caveats attached. Read the limitations section as carefully as the defect list, and understand that anything the surveyor could not access (behind linings, under tanks, inside a keel stub) is excluded rather than approved.