Speed Boat / Rib Boat INSURANCE

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About Noble Boat insurance services

Noble Boat (Insurance Brokers) Ltd
Clinton House, Lombard Street, Newark, Nottinghamshire. NG24 1XB
1. The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. It requires us to give you this
document. Use this information to decide if our services are right for you.
2 Whose products do we offer?
We only offer products from a limited number of insurers for Pleasure Craft insurance. Ask us for a list of
insurers we offer insurance from.
In respect of legal expense cover we only offer a product from Amicus.
3 Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs for yacht insurance.
You will not receive advice or a recommendation from us for dinghy, sailboard or rowing Speed Boat / Rib Boat insurance. We
may ask some questions to narrow down the selection of products that we will provide details on. You will
then need to make your own choice about how to proceed.
4 What will you have to pay us for our services?
No fee.
5 Who regulates us?
Noble Boat (Insurance Brokers) Ltd, Clinton House, Lombard Street, Newark, Nottinghamshire, NG24
1XB is authorised and regulated by the Financial Services Authority. Our FSA Register number is 305884.
Our permitted business is Boat and Boat legal expense insurance.
You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by
contacting the FSA on 0845 606 1234.
6. What to do if you have a complaint
If you wish to register a complaint, please contact us:
In writing: Write to Noble Boat (Insurance Brokers) Ltd, Clinton House, Lombard Street, Newark,
Nottinghamshire, NG24 1XB
By email: complaints@nobleBoat.co.uk

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman
7. Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS.
You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on
the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the
claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS.

Norwich Union – Pleasure Craft Policy Summary

Summary of cover
This is a summary of the pleasure craft insurance policy provided by Noble Boat (Underwriting Agencies) Ltd. It
does not contain the full policy terms and conditions. These can be found in the policy booklet. It is important that you
read the policy booklet carefully and understand the cover being offered.
Name of the insurance undertaking
The insurer for all sections of this policy is Aviva Insurance Limited, trading as Norwich Union.
Type of insurance and cover
Your Norwich Union Pleasure Craft policy is a multi-section insurance policy. It protects your Speed Boat / Rib Boat and your liability to
other people, including passengers in your Speed Boat / Rib Boat. The insurance protection applies while your Speed Boat / Rib Boat is either in
commission or when laid up, provided that it is within the cruising limits you have chosen.
Section 1 Loss/damage – see Loss/Damage section of your policy booklet for details
Significant features and benefits
You are insured for
· The policy is on an all risks basis, written in Plain English.
· Accidental loss or damage to your Speed Boat / Rib Boat, including any outboard motors, trailers or other gear and equipment.
· New for old cover on craft up to three years in age.
· Full cover for damage to masts, sails and the like, (provided they are less than three years old).
· Theft of your gear and equipment from either your Speed Boat / Rib Boat, or place of storage (as long as there is forcible entry
or it is forcibly removed).
· Outboard motors dropping off or falling overboard, as long as the engine was secured by a suitable safety
chain or strap.
· Automatic cover for sailing craft whilst racing.
· Cover for physical loss or damage to vessels up to 9m in length whilst in transit.
· Cover for damage to underwater machinery i.e. propeller, rudder etc.
· Cover for salvage costs, as well as sue and labour charges and removal of wreck.
Significant or unusual exclusions or limitations
You are not insured for
· Theft of outboard motors, whilst fitted to the vessel, unless secured with an anti theft device in addition to the
normal method of attachment or stolen from a locked building.
· Theft of your trailer and any insured property on it, unless the trailer is fitted with a suitable anti theft device.
· Wear and tear and corrosion.
· Theft, loss or damage to personal belongings, or special equipment (unless they are specified to us).
· Loss or damage to motors, machinery, equipment or batteries caused by mechanical or electrical breakdown or
· The excess shown in your policy schedule (except if your Speed Boat / Rib Boat is a total loss).
· Loss or damage to a speedSpeed Boat / Rib Boat which is less than 5 metres in length and arising from it being sunk, stranded,
swamped, immersed or breaking adrift whilst left afloat and with no responsible able-bodied adult on board.
Section 2 Liabilities to Third Parties and Passengers – see Third Party Liability section of
your policy booklet for details
Significant features and benefits
· We will cover your legal liability following an insured incident in respect of damaged property, loss of life,
personal injury or illness.

Marine Boat Insurance covers the loss or damage of ships, cargo, terminals, and any transport or property by which cargo is transferred, acquired, or held between the points of origin and final destination.

Cargo insurance--discussed here--is a sub-branch of marine insurance, though Marine also includes Onshore and Offshore exposed property (container terminals, ports, oil platforms, pipelines); Hull; Marine Casualty; and Marine Liability

Origins of Formal Boat Insurance

The modern origins of Boat insurance law were in the law merchant, with the establishment in England in 1601 of a specialised chamber of assurance separate from the other Courts. Lord Mansfield, Lord Chief Justice in the mid-eighteenth century, began the merging of law merchant and common law principles. The establishment of Lloyds of London, competitor insurance companies, a developing infrastructure of specialists (such as shipbrokers, admiralty lawyers, and bankers), and the growth of the British Empire gave English law a prominence in this area which it largely maintains and forms the basis of almost all modern practice. The growth of the London insurance market led to the standardisation of policies and judicial precedent further developed Boat insurance law. In 1906 the Boat Insurance Act was passed which codified the previous common law; it is both an extremely thorough and concise piece of work. Although the title of the Act refers to Boat insurance, the general principles have been applied to all non-life insurance.

In the 19th. century, Lloyd's and the Institute of London Underwriters (a grouping of London company insurers) developed between them standardised clauses for the use of Boat insurance, and these have been maintained since. These are known as the Institute Clauses because the Institute covered the cost of their publication.

Within the overall guidance of the Boat Insurance Act and the Institute Clauses parties retain a considerable freedom to contract between themselves.

Boat insurance is the oldest type of insurance. Out of it grew non-Boat insurance and reinsurance. It traditionally formed the majority of business underwritten at Lloyd's. Nowadays, Boat insurance is often grouped with Aviation and Transit (ie. cargo) risks, and in this form is known by the acronym 'MAT'.

Specialist Policies

Various types of specialist policy exist, including:

Newbuilding risks: This covers the risk of damage to the hull whilst it is under construction.
Yacht Insurance: Insurance of pleasure craft is generally known as 'yacht insurance' and includes liability coverage. Smaller vessels, such as yachts and fishing vessels, are typically underwritten on a 'binding authority' or 'lineslip' basis.
War risks: Usual Hull insurance does not cover the risks of a vessel sailing into a war zone. A typical example is the risk to a tanker sailing in the Persian Gulf during the Gulf War. War risks cover protects, at an additional premium, against the danger of loss in a war zone. The war risks areas are established by the London-based Joint War Committee, which has recently moved to include the Malacca Straits as a war risks area due to piracy [1].
Increased Value (IV): Increased Value cover protects the shipowner against any difference between the insured value of the vessel and the market value of the vessel.
Overdue insurance: This is a form of insurance now largely obsolete due to advances in communications. It was an early form of reinsurance and was bought by an insurer when a ship was late at arriving at her destination port and there was a risk that she might have been lost (but, equally, might simply have been delayed). The overdue insurance of the Titanic was famously underwritten on the doorstep of Lloyd's.
Cargo insurance: Cargo insurance is underwritten on the Institute Cargo Clauses, with coverage on an A, B, or C basis, A having the widest cover and C the most restricted. Valuable cargo is known as specie.



A rigid inflatable boat ( Rib Boat ) or rigid hulled inflatable boat, ( RHIB )

is a light-weight but high performance and high capacity boat constructed with a solid, shaped hull and flexible tubes at the gunwale. The design is stable and seaworthy. The inflatable collar means that buoyancy is not lost if a large quantity of water is shipped aboard. The Rib Boat is a development of the inflatable boat

General characteristics

Rib Boat's are commonly 4 to 7 metres (13 to 24 ft) long, although they can range in length between 2.5 and 18 metres (7.5 and 55 ft). A Rib Boat is often propelled by one or more outboard motors or an inboard motor turning a water jet or z-drive. Generally the power of the motors is in the range of 5 to 500 horse power (4 to 400 kW).
Rib Boat s are used as rescue craft, safety boats for sailing, dive boats or tenders for larger boats and ships. Their shallow draught, high maneuverability, speed and relative immunity to damage in low speed collisions are advantages in these applications.
Rib Boat s up to about 7 metres in length can be towed on trailers on the road, making them attractive as leisure craft.


Rib Boat's are generally designed with hydroplaning hulls. Due to their low weight Rib Boats often out-perform other similarly sized and powered boats, and can also cope with rougher seas.
The maximum speed of the Rib Boat depends on its weight, power, load, and sea conditions. A typical 6 metre Rib Boat, with six passengers, 110 horsepower engines, in the sea in Beaufort force 2 is very likely to have a top speed of around 30 knots. High performance Rib Boat s may operate with a speed between 40 and 70 knots, depending on the size and weight. Certain companies operating out of holiday destinations use Rib Boat s as a "wave jumper". This is a standard Rib Boat of about 10 metres in length, with two parallel rows of seating down the centre of the craft. It is propelled by two engines, with the aim being to get the craft to roughly 75 knots before jumping 10 ft off the tops of waves.

Rib Boat Construction

The hull is made of steel, wood, aluminium, or more commonly, a combination of wood for the structure and glass-reinforced plastic (GRP) composite for the shaped and smooth surface. The hull of a Rib Boat is shaped to increase the performance of the boat in the water by optimising its hydroplaning characteristics. "Deep-V" hulls cut through waves easily but require greater engine power to start planing than "shallow-V" hulls, which plane at lower speed but with a more uncomfortable ride.

The tubes are usually constructed in separate sections to reduce the effect of a puncture, each with a valve to add or remove air. Common materials for the tubes are Polyvinyl chloride, Polyurethane and Hypalon.

  1. Polyvinyl chloride

As a material for building tubes, polyvinylchloride (PVC) has the disadvantage of lacking flexibility. To make it supple, an additive is used with the polymer. This additive vaporises as the material ages, making the PVC brittle and allowing it to crack easily. A PVC tube is the cheapest option and lasts approximately five years.

  1. Polyurethane

Tubes made of polyurethane (PU) are difficult to manufacture and hard to repair. PU has the great advantage of being very tough, it can be made knife-proof or bulletproof. Unfortunately to make PU airtight, it has to be used in layers, combined with neoprene. The biggest disadvantage with PU is that it ages quickly: thermal and mechanical wear-and-tear and exposure to ultraviolet-light are problems. A high quality PU-made tube lasts 10 to 15 years.
PU tubes are often to be found on commercial Rib Boat s, in applications where strength and durability are needed. Replacing the tubes when they wear out, usually costs one third of the complete Rib Boat.

  1. Hypalon

Tubes made of Hypalon are easy to manufacture and can be repaired with simple puncture repair kits.
Hypalon is not airtight and so must be combined with Neoprene when used to build tubes. Tubes made with Hypalon and Neoprene layers can last 30 years or more.
Although early in its life a PU tube will be stronger than a Hypalon / Neoprene tube, by the age of 5 years they have similar levels of durability, which is why Hypalon/Neoprene tubes are often to be found on Rib Boat s that are owned by commercial and high value leisure users.
Deck house
Larger Rib Boats can have hard-tops or deck houses made of GRP or aluminium.



The combination of rigid hull and large inflatable buoyancy tubes seems to have been first introduced in 1967 by Tony and Edward Lee-Elliott and patented by Admiral Hoare in 1969 after research and development at Atlantic College in Wales. Rib Boats then were introduced for the first time as lifeboats on the Solent, England in 1970.

After the Zodiac patent on the inflatable boat expired, the Rib Boat business boomed. Today there are about a thousand manufacturers of Rib Boats and inflatables. Some of the most common brands known worldwide are Zodiac, Walker Bay, Avon,


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