Originally Posted by Aging Youth
Are there any Ribsters with an insurance background that can shed some light on this topic?
I hope that this post is not too late to be of use.
Third party liability whilst in transit should be covered by the towing vehicle's policy and this should include the boat, trailer, engine and any other items of equipment that might be attached to the vehicle or trailer.
However if the boat is being moved by hand, as in Neil R's case, the vehicle's insurance policy would not come into the equation. In this situation, the boat's insurance policy should provide cover in the same way as if the accident was caused on the water.
Neil R - Did you try to claim from your own RIB Insurance policy? If you have paid for a comprehensive policy this should cover accidental damage to your boat, your boat has been damaged, your insurers should pay. If they decide to pursue the third party, for their outlay, that is up to them.
John Kennett posted an article at A guide to RIB insurance
which may be of interest.