I did my own insert for next to nothing. I wouldn't do it with a really heavily loaded boat/trailer package though, unless you know the shear strengths of the bolts and/or pins. Don't cheap out on these items for sure. There is a BIG difference in bolt ratings. Mine rattles and clanks a bit going over bumps at slow speeds, but for the price, I don't mind that much. I slid the insert in about 2 feet, and the toungue has about two feet attached as well, for a solid connection, at least in my own opinion. Each 2 foot section has 2 bolts. I wonder what the MTO would say if I was ever pulled over for a trailer inspection?? hmmm