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Old 21 January 2015, 05:50   #1
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Passenger Liability Limits

Question to any commercial operators .

Is anyone aware of a minimum legal Liability limit or cover per passenger on commercially operated vessels ?

Cars I'm fine with
Aircraft I'm fine with

Boats ..I'm not sure - I'm seeing different quotes all over the place.

As I've always said marine isn't a speciality of mine, but its come up in conversation today and its got me interested.

Pete
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Old 21 January 2015, 06:33   #2
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Think we discussed before as 100,000 per person max, So Ten pax takes to max cover needed

can check with our agents if needed
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Old 21 January 2015, 06:47   #3
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Thanks Ian - that would be great if you could - At 100k per passenger and most commercial RIBS under the small boat coding with a max of 12 PAX would be a 1.2m limit - as most run with at least 2m ( if not more ) - so any policy would more than cover it - but I'm just personally interested now as a comparison to aircraft (at 125k per pax and cars where the RTA means it's unlimited - I think the max paid to date was around 22m to one passenger! )

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Old 21 January 2015, 07:45   #4
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According to MGN280 there doesn't appear to be a legal requirement to have insurance but "Local authorities may, for instance, have powers to require vessels to have passenger liability and third-party insurance cover, and to set the level of that cover."
https://www.gov.uk/government/public...-use-for-sport

Looking at a few local authority sites 2m seems to be a common figure, although some are higher. Weymouth and Portland Borough Council recommend 10m and require at least 5m.
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Old 21 January 2015, 09:04   #5
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Thanks John, that was my understanding too. But am seeing some reference to class A vessels that carry over 12 passengers. ...so outside the coding req and into big ship territory. ....

Of course when you get to that you are into legal requirements in SDR...same as aircraft....

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Old 21 January 2015, 10:05   #6
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Quote:
Originally Posted by John Kennett View Post
According to MGN280 there doesn't appear to be a legal requirement to have insurance but "Local authorities may, for instance, have powers to require vessels to have passenger liability and third-party insurance cover, and to set the level of that cover."
https://www.gov.uk/government/public...-use-for-sport

Looking at a few local authority sites 2m seems to be a common figure, although some are higher. Weymouth and Portland Borough Council recommend 10m and require at least 5m.
Thats interesting for Weymouth, My recollection of Olympic cover was they wanted or Olympic authorities wanted 10mil and when we investigated insurers stated this was a waste of money due to max payment per passenger allowed under laws making as Peter says about 2m as a standard. Most operators have more but none to my knowledge will be permanently at 10m as you are wasting premium fees
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Old 21 January 2015, 10:11   #7
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Here are the Weymouth regs:
Attached Files
File Type: pdf POL_20201231_CommVessRegs.pdf (192.8 KB, 27 views)
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Old 21 January 2015, 10:31   #8
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Here are the Weymouth regs:
Looks like the local licensing is more restrictive than going MGN280 MCA cat coding, I can work there with my craft all Cat3(r) and do not carry 10m and remain fully licensed, fully insured for all commercial operations
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Old 21 January 2015, 10:38   #9
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Thanks John, that was my understanding too. But am seeing some reference to class A vessels that carry over 12 passengers. ...so outside the coding req and into big ship territory. ....

Of course when you get to that you are into legal requirements in SDR...same as aircraft....

Pete
I don't know if any RIB operations would come under the Athens Convention but it looks like there's a requirement for insurance of at least 250,000 SDR per passenger which is about 235,000 so 2m wouldn't be enough.

IMO | Athens Convention relating to the Carriage of Passengers and their Luggage by Sea (PAL)

Can you tell it's a quiet day here?
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Old 21 January 2015, 11:08   #10
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Thats interesting for Weymouth, My recollection of Olympic cover was they wanted or Olympic authorities wanted 10mil and when we investigated insurers stated this was a waste of money due to max payment per passenger allowed under laws making as Peter says about 2m as a standard. Most operators have more but none to my knowledge will be permanently at 10m as you are wasting premium fees
I *thought* Peter was saying he hadn't identified any statutory limit - in which case with no "upper limit" per Pax you might find 2m/12 is not enough?

There are limits in the Athens Convention but I think it only applies to international trips? http://www.3harecourt.com/Files/Arti...nts_at_sea.pdf

Even with that limit 12 x 300k (ish) is > 2M.
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