I am not the wise head you refer to but this is I believe the MCA approach which I enquired about recently:-
Any vessel that goes to sea, that is under 24 metres and carrying less than 12 passengers that is NOT a pleasure vessel requires coding. There are a few exceptions to this, but this is the general rule. The definition of a pleasure vessel is:
""pleasure vessel" means-
(a) any vessel which at the time it is being used is:
(i)
(aa) in the case of a vessel wholly owned by an individual or individuals, used only for the sport or pleasure of the owner or the immediate family or friends of the owner; or
(bb) in the case of a vessel owned by a body corporate, used only for sport or pleasure and on which the persons on board are employees or officers of the body corporate, or their immediate family or friends; and
(ii) on a voyage or excursion which is one for which the owner does not receive money for or in connection with operating the vessel or carrying any person, other than as a contribution to the direct expenses of the operation of the vessel incurred during the voyage or excursion; or
(b) any vessel wholly owned by or on behalf of a members' club formed for the purpose of sport or pleasure which, at the time it is being used, is used only for the sport or pleasure of members of that club or their immediate family, and for the use of which any charges levied are paid into club funds and applied for the general use of the club; and
(c) in the case of any vessel referred to in paragraphs (a) or (b) above no other payments are made by or on behalf of users of the vessel, other than by the owner.
In this definition "immediate family" means-
in relation to an individual, the spouse or civil partner of the individual, and a relative of the individual or the individual's spouse or civil partner; and "relative" means brother, sister, ancestor or lineal descendant;"
2. What payment is acceptable?
Payment is not acceptable, other than as a contribution to the direct expenses of the operation of the vessel incurred during the voyage or excursion.
Not sure this will give you the answer but other knowledgeable will be along soon
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