Working out the payload, people, equipment and safety
Working out the payload is simple:
deduct eighty kilograms per person from the maximum permitted load,
and what is left is for equipment, water and fuel.
Calculator
The maximum permitted load is given on the CE plate or in the boat's papers. It is reached quickly: four people already come to three hundred and twenty kilograms, a full two-hundred-litre tank another hundred and seventy. What remains after that is less than most owners assume.
Overloading reduces freeboard, stability and manoeuvrability all at once. In a seaway an overloaded boat ships water it can no longer clear, and the chain of events that ends in a capsize is a short one.
In insurance terms, exceeding the permitted number of persons or the maximum permitted load is a breach of your obligations under the policy. If that causes a loss, the settlement may be reduced in proportion to the severity of the fault, and that applies in every tariff.
Frequently asked questions
Where do I find the maximum permitted load?
On the CE plate or in the boat's papers.
What happens in a claim if the boat was overloaded?
Overloading is a breach of your obligations under the policy and can lead to a reduced settlement.
Worked out for your type of boat
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