Reply
 
Thread Tools Search this Thread
 
Old 14 April 2015, 18:28   #21
RIBnet admin team
 
Poly's Avatar
 
Country: UK - Scotland
Boat name: imposter
Make: FunYak
Length: 3m +
Engine: 2 stroke YAM 20 HP
MMSI: 235089819
Join Date: Sep 2005
Posts: 10,114
HP, I'd agree with most of that. Hopefully an insurance broker might confirm though if: they would just be totally unable to seek cover for you if overpowered, or if they have experience seeking cover when the owner has explicitly overpowered. Or indeed if they have ever known an actual claim be refused for overpowering.
__________________
Poly is offline   Reply With Quote
Old 15 April 2015, 04:11   #22
Member
 
Maximus's Avatar
 
Country: UK - England
Town: Wild West
Boat name: No Boat
Make: No Boat
Length: under 3m
Join Date: Jan 2008
Posts: 4,272
Send a message via AIM to Maximus
In the Final analysis its an individual decision and responsibility...there can be no one fit all solution or formular.
For a myriad of reasons.
That's why you should negotiate with you're insurer on an individual basis,and not take things for granted.

It is certainly beholdent to each owner to spec and INSURE his own Rig to suit his own needs,both in a Safe and Legal way!!!....
AND..Doing enough homework to make sure the chosen setup (Hull-transom-weight-power ect)...will actually stack up!
Things change all the time and the power plants (or ratings!) used these days in no way compare to those of the relativly recent past...whith many boats sporting power plants Vastly more powerfull than before.
With no detrimental consequences at all!!...unless it's to the pocket
Like I said this been gone over before(see previous threads)..and I'm sure will again!
Be safe and enjoy!
__________________

__________________
A clever Man learns by his mistakes..
A Wise Man learns by other people's!

The Road to HELL ..is Paved with "Good inventions!"
Maximus is offline   Reply With Quote
Old 15 April 2015, 04:42   #23
RIBnet supporter
 
Pikey Dave's Avatar
 
Country: UK - England
Town: South Yorks
Boat name: Black Pig
Make: Ribcraft
Length: 5m +
Engine: DF140a
MMSI: 235111389
Join Date: Feb 2008
Posts: 7,596
RIBase
Previously I had a RC585, this was rated to 150hp, I was going to fit a 150hp Evinrude FICHT, however, the 175hp was the same engine, same block, same weight. I asked Ribcraft (via email) if this would be ok & they said no problem. I approached the insurers & told them exactly what I was going to do, their response was "as long as it doesn't do more than 50kn, it's fine by us" or words to that effect. As Maxi says, do your homework, talk to all concerned, reach an agreement, then get it in writing. There are plenty of insurers out there that can actually think for themselves & not just read a script off a screen.
__________________
Rule#2: Never argue with an idiot. He'll drag you down to his level & then beat you with experience.
Rule#3: Tha' can't educate pork.
Rule#4: See rule#5
Pikey Dave is offline   Reply With Quote
Old 15 April 2015, 07:22   #24
Member
 
Country: UK - England
Town: Poole
Make: Zodiac 3.8m
Length: 3m +
Engine: Honda 35hp petrol
Join Date: Jan 2015
Posts: 19
Oversized outboards from an Insurance angle

Hi Guys

To clear things up here firstly, you are correct, the maximum design speed almost all Insurance Underwriters will look at is 50kts beyond this they will reject it, they won’t even consider putting it through for referral. Secondly, if the makers of the craft state that it cannot exceed an engine size of ‘X’ hp even though at max power it will not exceed 50kts the insurance company may initially insure the craft but if you had a claim you may well find that it will be voided because you have exceeded the manufacturers design specifications.

Sorry for the gloom, but that’s how it is.


__________________
jfriends is offline   Reply With Quote
Old 15 April 2015, 08:07   #25
Administrator
 
John Kennett's Avatar
 
Country: UK - England
Town: Brighton
Length: 3m +
Join Date: May 2000
Posts: 6,830
Thanks for clearing that up.

I'm not aware of any RIB manufacturers publishing maximum design speeds. Have I missed something?
__________________
John Kennett is offline   Reply With Quote
Old 16 April 2015, 07:59   #26
Member
 
Country: UK - England
Town: Southampton
Make: Ballistic
Length: 7m +
Engine: Yam 225
Join Date: Jun 2010
Posts: 977
Quote:
Originally Posted by John Kennett View Post
Thanks for clearing that up.

I'm not aware of any RIB manufacturers publishing maximum design speeds. Have I missed something?
Think your OK JK, the Aerotec is under 50knts
__________________
Starovich is online now   Reply With Quote
Old 16 April 2015, 08:03   #27
Administrator
 
John Kennett's Avatar
 
Country: UK - England
Town: Brighton
Length: 3m +
Join Date: May 2000
Posts: 6,830
But how can I be sure?!
__________________
John Kennett is offline   Reply With Quote
Old 16 April 2015, 08:08   #28
Member
 
Country: UK - England
Town: Southampton
Make: Ballistic
Length: 7m +
Engine: Yam 225
Join Date: Jun 2010
Posts: 977
Quote:
Originally Posted by John Kennett View Post
But how can I be sure?!
Eat more Pies
__________________

__________________
Starovich is online now   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off





Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 19:48.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.