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Inflatables and RIBs: brands, cover and insurance
The engine is worth more than the boat.
On inflatables and RIBs the value sits in the outboard. It gets stolen on its own, and usually only full hull cover pays for the theft of parts; check whether the policy requires an immobiliser or a lock.
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What matters for this class of boat
Check whether theft of parts, including the outboard, is covered and whether a security device is a condition.
Check whether vandalism and slashed tubes at the berth are covered.
As a tender: check whether the liability cover of the mother yacht includes the dinghy or whether it needs its own contract.
Look for time windows and night clauses: some policies stop cover at sunset or require the boat to be locked away.
Brands in this class
33 brandsThese points apply to the whole class; each brand has its own page with models and years.
Inflatables and RIBs: what to check in the insurance conditions
Value: the outboard is the boat
On an inflatable or a RIB the engine can be worth more than the hull, the tubes and the trailer together. Name it in the policy with make, power and serial number, and check that theft of the engine alone is covered, not only theft of the whole boat. A photo of the engine and of the transom bolts helps with every claim.
Use: tender, day boat, dive boat
The same RIB serves as a tender to a yacht, as a day boat for the family and as a dive platform. Each use is treated differently: as a tender it may be included in the policy of the mother yacht, as a day boat it needs its own cover, and diving or towing may need a clause of their own. Say how the boat is used and ask which case applies.
Storage and transport
Tubes suffer in sun, frost and on a rough slipway. Check whether the policy covers the boat deflated in a garage, on a roof rack, on a trailer and on the davits of a yacht. Wear of the tubes is not a claim, a cut at the berth is, and the wording should draw that line clearly. Ask whether the policy pays for a new tube set or only for a patch.
Typical claims
Stolen outboards, slashed tubes, a boat torn off its mooring in a storm and an engine that hit a submerged object make up most of the claims. Time windows matter: some policies stop cover at night or require the boat to be locked away, and a RIB left on a mooring is exactly where those clauses bite.
