Tender
Boat insurance term, area: Hull
A tender is the small boat that a larger one carries: the dinghy towed astern, the RIB on the foredeck, the inflatable that ferries people ashore from an anchorage. Policy wordings define it narrowly. It serves to move crew and guests between boat and shore, or to rescue others at sea, and it may only travel a limited distance from the mother vessel. Take it off fishing on its own while the yacht lies at anchor in the bay and you have left that definition behind. Hull wordings also tend to treat the tender as a separate item carrying its own sum insured.
What to check: Is the tender listed separately in the schedule, with a sum insured of its own, and does the outboard engine belong to that item? How far may it travel from the mother vessel, and does liability protection still apply when it goes off alone?
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A general explanation in our own words.
What applies to you is set only by the wording of your own policy.
