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RIB Insurance – Compare Cheap Quotes
If you’re the proud owner of a Rigid Inflatable Boat (RIB) and you intend to sail it on inland waterways in the UK you’ll usually have an obligation to take out a RIB insurance policy before you take to the water.
The reason for that is that most UK inland waterway authorities require boat owners to apply for a waterways licence before they can take the boat out on those waterways, and having suitable boat insurance is a prerequisite for a waterways licence.
However, even if you only ever plan to take your RIB out on the sea, where this type of boat insurance is usually optional rather than mandatory, a suitable insurance policy for your RIB would still be a wise investment.
After all, some RIBs are worth a considerable amount of money, and there’s also the risk that you might have to pay to repair someone else’s vessel if you damaged their boat with your RIB.
What type of insurance do I need if I plan to take my RIB out on the river?
Third party boat insurance is usually the minimum requirement for inland waterways, and in most places your policy will need to provide at least £1 million of coverage, although a number of waterways authorities do insist on £2 million of coverage.
How much does RIB insurance cost?
That’s a difficult question to answer without considering all of the risk factors your boat insurance provider will take into account when calculating the premium to insure your RIB.
For example, the type of RIB you own, its estimated value, its make and model, the year it was manufactured, the type of engine it has, where you store it and where you normally take it out on the water can all affect the cost of insuring a RIB.
The most accurate way to gauge the likely cost of insuring a RIB is to use our boat insurance comparison service to compare quotes from a range of different providers, and then go with the one that offers the best policy at the best price.
Should I use a local boat insurance broker to insure my RIB?
Local boat insurance brokers may well know the rivers, lakes and coastal waters in your local area better than a large, centralised insurer is likely to do, but that local knowledge isn’t likely to result in a more tailored policy or a cheaper quote.
Insurance providers use a wide range of data points when calculating their premiums, including local crime rates and accident rates, but they use official police data and insurance claims data when assessing those factors so local knowledge plays very little role at all.
In addition, some insurance brokers have relationships with a fairly limited number of insurers, which means the comparison they are able to do for you might be quite limited.
So if you do plan to check RIB insurance quotes from a local boat insurance broker it might be a good idea to compare quotes through a price comparison site like Quotezone.co.uk at the same time.
That way you will get quotes from a broader range of insurers, which could increase your odds of finding the right insurance policy at the right price.