fitting more hp than recomended.
If it is an older boat -pre rcd I guess it is up to you to decide what is safe, this can be difficult as the now common four strokes can weigh double the old two strokes, so you need more power to get the same performance and the weight aft sticks the nose in the air. Racing is the same as a pure race build doesnít have to comply.
Modern RCD covered hulls. I would be surprised if insurance companies would cover hulls that they new were over powered? I guess you would loose any warranty if it were a newer hull, but that is your choice.
I think it all comes down to the chain of responsibility, If I produce a boat, I have to take responsibility for its design, in turn safety to those who will use it (some not so capable). We run it through the RCD tests and from these we have to decide what the Max Hp should be. We then have to advertise this in the manual and CE plate. If you follow these and the boat has handling problems, crashes and or hurts someone itís down to us. If you choose to ignore them its down to you, insurance policies wonít save you from prosecution.
Dull dull dull I know, but you also have to imagine the amount of huge Ribnet fingers that would be pointed at you for being irresponsible, not a forgiving lot!!.