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I thought the Max HP on the V20 was 200. If you look at the specs on the 1978 brochure it says max 240 hp. Which is it?
That 1985 rating of 235 probably corresponds to the year OMC came out with the V-6 235 power on their Sea Drive motors, or the same year the 235 regular outboard came about. I know Wellcraft made full transom boats specifically for the SeaDrive motors. Stick with 200 hp or less and you can get all the insurance you want.