Policies are commonly endorsed with the permitted number of toys or skiers that can be towed at any one time and may have additional conditions applied such as having somebody on board to act as a look-out or observer in addition to the helmsman.
Some Small Print to Look For:
High Speed Clauses
If the maximum speed of your RIB is in excess of 17 Knots then your insurers are likely to apply some additional terms and conditions to your cover.
Commonly defined as a "High Speed Clause" you are likely to find an endorsement on your schedule or certificate of cover that excludes cover that your policy usually provides to vessels with a design speed up to 17 Knots.
Each insurer will have a slightly different wording so it is worth studying this exclusion if it is likely to apply to you. If in doubt, speak to a specialist broker who is familiar with the nuances of different policies and is able to make a suitable recommendation to meet your specific requirements.
Outboard Locks
Theft of outboard engines is prevalent. Professional gangs seem to be able to operate without fear of being caught and some cases, such as where they have succeeded in removing even the largest engines from vessels in marinas, their success in escaping with tens of thousands of pounds worth of outboard has been extraordinary.
Insurers will almost certainly require your outboard engines to be secured to your RIB with an anti-theft device in addition to its normal method of attachment.
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