Do I need insurance for a tender/small RIB?
I’m looking into getting a small 2/4 man RIB (often used as tenders for larger boats) for use inshore near the Isle of Wight (England). Does anybody know if I will need to have insurance on it?
It will have a small (no more than 10HP) outboard on it as well, don’t know if that changes anything?
I can’t really find much information on it, not even in some of the RYA books. Thanks for any help.
As a small boat sailor on the same patch of water as you I can answer this one…
You aren’t REQUIRED to have insurance on your boat, but I’d REALLY recommend that you do have it, even if you just buy third-party only insurance. If your boat goes out of control, the damage even a small boat with a little outboard can do can run into the hundreds of thousands of pounds.
If you are a member of a local sailing or boating club I’d guess that they have a membership requirement that requires you to have insurance. Many marinas insist that boats berthed in them or using any of their facilities (Including slipway) have insurance.
Oh, and having insurance has saved me thousands over the last 25 years.
PS – a 10hp engine on a 2-4 man RIB? Why do you want to underpower your RIB – I’d recommend at least a 50 on a 13′ RIB.
As a small boat sailor on the same patch of water as you I can answer this one…
You aren’t REQUIRED to have insurance on your boat, but I’d REALLY recommend that you do have it, even if you just buy third-party only insurance. If your boat goes out of control, the damage even a small boat with a little outboard can do can run into the hundreds of thousands of pounds.
If you are a member of a local sailing or boating club I’d guess that they have a membership requirement that requires you to have insurance. Many marinas insist that boats berthed in them or using any of their facilities (Including slipway) have insurance.
Oh, and having insurance has saved me thousands over the last 25 years.
PS – a 10hp engine on a 2-4 man RIB? Why do you want to underpower your RIB – I’d recommend at least a 50 on a 13′ RIB.
References :
Comment by Adam H — September 8, 2009 @ 1:42 am
as an American,land of the lawsuit, I would say yes.especially liability…….while a rib will "bounce" off things, you can still do a lot of damage to an Inron/Awlgrip paint job on a grp boat..not to mention running over a swimmer……..
and as a seller of Avon and Zodiac ribs, get at least a 15hp if the boat s rated for it
References :
Comment by yankee_sailor — September 8, 2009 @ 1:51 am