Difference between motorboat and RIB insurance

As part of our motorboat insurance video series we look at the difference between motorboat and RIB insurance and the things to know when getting the right insurance. Check out the video to find out more...



Hi, my name's Ben Leach and I’m an adviser for Towergate. In this video I’m going to talk about the difference between motorboat and RIB insurance.

At Towergate, we offer insurance for a range of powered craft. We have two separate policies which cover slightly different types of craft. I’m going to explain to you what sort of craft are covered by our “motor boat insurance” and what sort of craft are covered by our “RIB Insurance”.

Let’s get the obvious stuff out of the way first. RIB Insurance only covers RIBs. If you’ve never owned one or you’re new to the world of boating, RIB stands for ridged inflatable boat ridged inflatable boat. Again to state the obvious, RIBs have both inflatable and solid parts to their hulls and are almost always powered by outboard engines.

RIBs could be considered as the 4x4s of the sea. They’re versatile, fast and almost unsinkable. Though they can be used as straight forward pleasure craft, RIBs are often used as safety boats by sailing clubs, excursion boats by SCUBA dive clubs and sometimes for thrill rides by tour companies and holiday resorts.

So what’s covered by our motor boat policy? The short answer is; Everything else where the sole method of propulsion is an engine. The long answer is:

  • Sport boats
  • Sports cruisers
  • And Fast fishers among many others

Both RIB and motorboat policies feature third party cover, theft, malicious damage and vandalism cover and even personal accident when you take out our highest level of cover.

Both policies have platinum, gold, silver and bronze levels of cover which means you can choose the level of cover to suit your usage and requirements.

Want to find out more about our RIB Insurance?

More details

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