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RIB Insurance
Specialist insurance for your RIB
Fast, versatile and built for adventure, RIBs offer a fantastic way to enjoy life on the water. Whether you use yours for coastal cruising, family days out, exploring new waters or watersports, having the right insurance means understanding how your boat and the way you use it are covered.
Pantaenius provides specialist insurance for eligible RIBs, with cover arranged according to your boat and individual circumstances.
Insure your RIB
Find the right insurance cover in just a few steps. Getting a quotation is easy. Simply complete our online enquiry form and leave the rest to us.
- Comprehensive or Third Party Liability only cover options available
- Always available in case of a claim
- Many boats can be insured online
Insurance designed around your RIB
RIBs combine the performance of a rigid hull with the versatility and practicality of their distinctive design.
Powerful outboards, valuable equipment, trailers, different storage arrangements and activities such as watersports can all be part of RIB ownership.
That's why we look at your RIB and how you use it when arranging your insurance. Whether your RIB lives afloat, ashore, in a dry stack or on a trailer, talk to us about arranging cover for your boat.
Cover for the way you use your RIB
While every RIB is different, there are several areas of cover that can be particularly important to RIB owners.
The precise cover, limits and conditions applicable to your RIB will depend on the policy under which it is insured and the details shown in your Policy Schedule.
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- Agreed Fixed Value
- All Risks Hull Cover
- Engines & Machinery
- Trailer Cover
- Watersports Liability
- Emergency Assistance & Towage
- Misfuelling & Contaminated Fuel
- Third Party Liability
- Boat insurance specialists
- Dedicated claims support & 24/7 emergency claims helpline
Agreed Fixed Value
The insured value of your RIB is agreed when your policy is arranged, giving you clarity about its insured value from the outset.
All Risks Hull Cover
All Risks insurance provides broad protection against accidental physical loss of or damage to your insured RIB, subject to the applicable policy terms, conditions and exclusions.
Engines & Machinery
For many RIB owners, the engine or engines represent a significant proportion of the value of the boat. Cover can extend beyond the hull itself to machinery and equipment, with protection available for qualifying mechanical breakdown.
Trailer Cover
One of the great advantages of a RIB is the freedom to explore different cruising grounds. If you own a suitable trailer for your RIB, cover for the trailer can also form part of your insurance, subject to the applicable policy terms and limits.
Emergency Assistance & Towage
Problems on the water don't always happen somewhere convenient. Your cover can include emergency assistance and commercial towage costs in specified circumstances, helping you get to a place of refuge when something goes wrong.
Misfuelling & Contaminated Fuel
A mistake at the fuel berth or contaminated fuel can result in significant damage. Protection is available for qualifying damage caused by misfuelling or contaminated fuel, including resulting damage to machinery.
Third Party Liability
Third Party Liability Insurance protects you against covered legal liabilities for injury to another person or damage to their property arising from the ownership or use of your RIB.
Watersports Liability
RIBs and watersports often go hand in hand. Third Party Liability cover can extend to specified watersports activities associated with your boat, helping protect you against covered legal liabilities arising from the way you enjoy your RIB.
Why Pantaenius?
- Boat insurance specialists: Boat insurance isn't one of many things we do – it's our speciality. Our team understands boats and the realities of owning and using them.
- Dedicated claims support: If you need to make a claim, you'll have the support of our specialist in-house claims team.
- 24/7 emergency claims helpline: Boating emergencies don't keep office hours. Our emergency claims helpline is available 24 hours a day, 365 days a year.
- More than 35 years in the UK: We've been providing specialist boat insurance to UK boat owners for more than three decades.
RIB owners ourselves
At Pantaenius, boating isn't simply our business. We're boaters too.
Pantaenius UK operates its own 7.5m Island RIB, built on the Isle of Wight and powered by a Yamaha F200 outboard.
We use it to support marine events, meet boat owners on the water and stay connected with the RIB community.
Running our own RIB gives our team first-hand experience of many aspects of RIB ownership – from maintenance, equipment and safety to storage and simply making the most of every opportunity to get out on the water.
It's practical experience that complements more than 35 years of specialist boat insurance expertise in the UK.
RIB Insurance FAQs
Does Pantaenius offer insurance for RIBs?
Yes. Pantaenius provides insurance for eligible RIBs.
We don't have a separate insurance product specifically for RIBs. Depending on your RIB and individual circumstances, your insurance may be arranged under Pantaenius Motorboat Cover or Pantaenius Motor Yacht Cover Plus.
Our team will determine the appropriate cover when arranging your quotation.
What insurance should I consider for a RIB?
The two main types of cover to consider are Hull Insurance and Third Party Liability Insurance.
Hull Insurance protects your RIB against insured physical loss or damage, while Third Party Liability Insurance protects you against covered legal liability for injury to another person or damage to their property.
Depending on your individual circumstances, you may also wish to consider additional protection such as Personal Accident or Legal Expenses Insurance.
Are my RIB's tubes covered?
Your RIB's tubes form part of the boat, but whether a particular loss or damage is covered will depend on its cause and the terms of your policy.
All Risks Hull Cover provides broad protection against physical loss or damage to the insured boat, subject to the applicable policy terms, conditions and exclusions.
Regular inspection and maintenance of your RIB's tubes remain an important part of responsible ownership.
Are my RIB's outboard engines covered?
Machinery can form part of the insured boat, and cover may also be available for qualifying mechanical breakdown.
The precise cover will depend on the policy under which your RIB is insured, so please refer to your quotation and policy documentation for details.
Is my RIB trailer covered?
Cover for a suitable trailer can be included as part of your RIB insurance.
The applicable insured value, conditions and security requirements depend on your policy and Policy Schedule.
Can I insure a RIB kept in a dry stack?
RIBs can be stored in a variety of ways, including afloat, ashore and in dry-stack facilities.
Tell us where and how your RIB is normally stored when requesting your quotation so this can be taken into account when arranging your cover.
Does the policy cover watersports?
Third Party Liability cover can extend to specified watersports activities associated with your boat.
The precise terms and exclusions depend on your cover, so please speak to us if you have a particular activity in mind.
Does the policy cover putting the wrong fuel in my RIB?
Cover is available for qualifying loss or damage caused by misfuelling or contaminated fuel, including resulting damage to machinery, subject to the applicable policy terms and limits.
How much does it cost to insure a RIB?
The cost will depend on factors including your RIB's value, age, size and specification, its engine or engines, where it is kept, its cruising area, how it is used and your boating and claims history.
Request a quotation to find out what cover would cost for your RIB.
Ready to insure your RIB?
Whether you've just bought your first RIB, you're upgrading to your next boat or simply reviewing your current insurance, our team is here to help.
Tell us about your RIB and how you use it and we'll arrange the appropriate Pantaenius cover for your individual circumstances.
RIB advice & inspiration
Insurance is only one part of owning a RIB. From choosing the right boat and looking after its tubes to storage and staying safe on the water, our Journal contains practical advice and stories for RIB owners.
Choosing the Right Boat: The Story Behind the Pantaenius RIB
Why we moved from a motor cruiser to a 7.5m Island RIB and some of the considerations that influenced our choice.
Love Your RIB Longer
Practical advice on caring for your RIB, including tube maintenance, refurbishment and re-tubing.
Dry Stack Storage: A Smarter Way to Spend More Time on the Water
Explore the potential benefits of dry-stack storage and whether it could be the right option for your RIB.
Kill Cords: A Non-Negotiable in Powerboat Safety
Why this simple piece of safety equipment should become second nature whenever you're at the helm.
