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Old 28 August 2014, 14:06   #1
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Rib 50 knot+ insurance

Sounding around for insurance on a RIB that will do over 50 knots, which is the max speed a lot of insurance company's will cover up to but not beyond. Any pointers? Thanks lee
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Old 28 August 2014, 16:29   #2
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tell them its not that fast? how would they know you was going faster even if it could do it?
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Old 28 August 2014, 17:21   #3
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My understanding is standard boat / RIB insurance covers boats up to 50 knots ( spoken to tower gate and GHW this week ) , there's no point in misleading or lying to the brokers, you then have an accident and find any claim you make is rejected due to you misrepresenting your boat. I want to pay for insurance so I AM insured!!
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Old 28 August 2014, 17:35   #4
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GJW Direct insured my Ring 18 and Yamaha Pro V 200hp and that goes a lot quicker than 50knots
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Old 28 August 2014, 20:33   #5
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In my experience 40 knots is the limit for a lot of insurers.
Porthcawl Insurance cover mine for 40+ - give them a try they're very helpful.
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Old 29 August 2014, 02:13   #6
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We didn't have a problem insuring out hunton which was regularly over 50kts.

We were with gjw and declared fully.
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Old 29 August 2014, 04:11   #7
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I would tread carefully.

Find out from the manufacture how fast your boat is supposed to go - not marketing blurb, or test reports. But something they actually state. Call them and tell them its for insurance purposes, they dont want to sell boats people cant insure.

Then ensure the insurance company will insure it.

You can be sure that in the event of a claim the insurers will look very hard and try to find a reason not to pay. They are a business afterall, not a charity.

In any dispute they will show a forum post / web report / marketing test claiming its capable of 50+ and you will have to prove otherwise - at your expense.

I had some issues getting mine insured - there were web reports of it being capable of very high speeds, some were not quite believable, but were certainly in excess of 50kts.
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Old 29 August 2014, 07:56   #8
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Originally Posted by Trimix View Post
I would tread carefully.

Find out from the manufacture how fast your boat is supposed to go - not marketing blurb, or test reports. But something they actually state. Call them and tell them its for insurance purposes, they dont want to sell boats people cant insure.

Then ensure the insurance company will insure it.

You can be sure that in the event of a claim the insurers will look very hard and try to find a reason not to pay. They are a business afterall, not a charity.

In any dispute they will show a forum post / web report / marketing test claiming its capable of 50+ and you will have to prove otherwise - at your expense.

I had some issues getting mine insured - there were web reports of it being capable of very high speeds, some were not quite believable, but were certainly in excess of 50kts.
Thanks for that?????
Not 100% sure why I need to 'tread carefully'?? Did you read my 1st post??

I'm in the process of arranging insurance on a hi-performance RIB, I've been 100% open with the insurance company's I've already spoken to, there 'standard' boat policy's only cover boats up to 50 knots ( both GJW and Towergate told me this ), hence I've asked if anyone has any recommendations on company's they've used in the past that cover faster boats.
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Old 29 August 2014, 08:28   #9
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Old 29 August 2014, 08:53   #10
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Thankyou
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