RIB and inflatable boat insurance: Tubes up, worries down.

RIBs and inflatables have a lower premium rate of their own, with liability from 39 euros a year.

Full cover includes theft of the outboard if it was secured with a locking bolt or similar,

the trailer rides in the liability from Basis-Plus with no separate insurance certificate needed,

and the cruising area is worldwide by agreement.

That depends on the damage and the value.

Repair costs above the value lead to a total loss,

and then the agreed value applies in Premium and, within its age rules, in Basis-Plus;

Basis pays the current value.

With inflatables that point is reached sooner than with rigid hulls,

which makes the declared value particularly important here.

Dry, clean and without permanent folds in the same place.

Storing it damp and folded produces fabric damage by spring,

and that is ageing, not an insured event.

Rodent damage is not covered either, so store it where mice cannot get at it.

For hull cover on a RIB you agree 500 or 1,000 euros, nothing more;

there are no hidden extra deductions and no scales by type of loss.

In Basis PLUS and Premium the deductible does not apply to total loss and theft,

in Premium for theft only if the craft was kept locked away or on enclosed premises.

After five claim-free years it is halved there for the first claim;

in Basis the agreed amount always applies.

With full cover, yes: grounding, collision and handling errors with a RIB are claims.

Even in cases of gross negligence the insurer waives its defence,

up to 25 percent of the sum insured in Basis PLUS and up to 50 percent in Premium.

Only intent is always excluded, and partial cover does not carry your own errors.

Storm, hail, fire, lightning and theft of the whole RIB are covered already under partial cover,

sinking after an accident, theft of parts including the secured outboard and vandalism

additionally under full cover.

This applies in winter storage and on the trailer as well, except under a seasonal policy.

Salvage after an accident is covered: by official order up to the sum insured in Basis,

up to 1 million euros in Basis-Plus and up to 2.5 million in Premium.

In Premium the agreed value, the amount you and the insurer fixed when the policy started,

with no deduction for the age of the RIB and no argument after the loss.

Basis-Plus pays the agreed value while the RIB is up to five years old,

or older if its current value still reaches half the sum insured, once replacement is shown.

Otherwise,

and always in Basis, the current market value is paid,

meaning what the RIB was worth immediately before the loss.

Yes, within the cruising area stated in the policy and on the way there on the trailer or roof

rack.

For a RIB that is usually Europe including the Mediterranean, worldwide on request.

Premium covers six weeks a year outside the agreed area, Basis by prior agreement.

Italy, Spain, Greece, Denmark and Croatia (from 15 kW) require proof of liability cover on board.

Not in Germany, with one exception:

on the Swiss part of Lake Constance liability cover is compulsory.

Italy, Spain, Greece, Denmark and Croatia from 15 kW require it.

Regardless of the law, most marinas,

clubs and winter storage yards ask for proof before they let you a berth for the RIB.