Oversized outboards

[Poly]

HP, I'd agree with most of that. Hopefully an insurance broker might confirm though if: they would just be totally unable to seek cover for you if overpowered, or if they have experience seeking cover when the owner has explicitly overpowered. Or indeed if they have ever known an actual claim be refused for overpowering.

[Maximus]

In the Final analysis its an individual decision and responsibility...there can be no one fit all solution or formular.
For a myriad of reasons.
That's why you should negotiate with you're insurer on an individual basis,and not take things for granted.

It is certainly beholdent to each owner to spec and INSURE his own Rig to suit his own needs,both in a Safe and Legal way!!!....
AND..Doing enough homework to make sure the chosen setup (Hull-transom-weight-power ect)...will actually stack up!
Things change all the time and the power plants (or ratings!) used these days in no way compare to those of the relativly recent past...whith many boats sporting power plants Vastly more powerfull than before.
With no detrimental consequences at all!!...unless it's to the pocket
Like I said this been gone over before(see previous threads)..and I'm sure will again!
Be safe and enjoy!

[Pikey Dave]

Previously I had a RC585, this was rated to 150hp, I was going to fit a 150hp Evinrude FICHT, however, the 175hp was the same engine, same block, same weight. I asked Ribcraft (via email) if this would be ok & they said no problem. I approached the insurers & told them exactly what I was going to do, their response was "as long as it doesn't do more than 50kn, it's fine by us" or words to that effect. As Maxi says, do your homework, talk to all concerned, reach an agreement, then get it in writing. There are plenty of insurers out there that can actually think for themselves & not just read a script off a screen.

[jfriends]

Hi Guys

To clear things up here firstly, you are correct, the maximum design speed almost all Insurance Underwriters will look at is 50kts beyond this they will reject it, they won’t even consider putting it through for referral. Secondly, if the makers of the craft state that it cannot exceed an engine size of ‘X’ hp even though at max power it will not exceed 50kts the insurance company may initially insure the craft but if you had a claim you may well find that it will be voided because you have exceeded the manufacturers design specifications.

Sorry for the gloom, but that’s how it is.

[John Kennett]

Thanks for clearing that up.

I'm not aware of any RIB manufacturers publishing maximum design speeds. Have I missed something?

[Starovich]

Originally Posted by John Kennett

Thanks for clearing that up.

I'm not aware of any RIB manufacturers publishing maximum design speeds. Have I missed something?

Think your OK JK, the Aerotec is under 50knts

[John Kennett]

But how can I be sure?!

[Starovich]

Originally Posted by John Kennett

But how can I be sure?!

Eat more Pies