the Navionics card has to stay inserted in order to work. your unit doesn't automatically download it. Otherwise, 1 guy buys a card and let's all his buddies have a copy for free... and Navionics doesn't get the sales.. they designed the card so you can't copy it.
and for a SAM BOAT lanes.. you'll need to import them to your units HD. Lance Vick boat lanes should have direction for HB that you follow to do the import.