Ownership
Tender and outboard policy inclusion
| Arrangement | What it means |
|---|---|
| Included in the vessel sum insured | Covered, if it was declared and valued |
| Specified separately | Covered to a stated amount — check it is current |
| Covered only while attached to the parent vessel | No cover tied to a jetty ashore — the common gap |
| Under a tender sub-limit | Often well below replacement cost with the outboard |
| Not mentioned at all | Assume no cover and ask now |
Tender and outboard security conditions
Outboard cover is commonly conditional on a specific physical measure: an approved outboard lock, through-bolting above a stated power, or the motor being removed and stowed when the vessel is unattended. Where the named condition was not met, the insurer can decline even though the theft plainly happened — and 'I secured it another way' is not the same answer.
- A purpose-made outboard clamp lock, fitted and locked whenever unattended.
- The tender secured to the parent vessel or a fixed structure with a cable or chain, not just a painter.
- The tender lifted on davits or aboard overnight where the policy requires it.
- Hull identification number recorded, and the tender registered where applicable.
- Outboard serial number photographed and stored ashore.
Tender and outboard insured values
Inflatable tubes are treated as having a finite life, so market-value settlement on an older RIB is unkind. A sub-limit set five years ago rarely reflects what a comparable tender and outboard cost today. Count the outboard, check the figure each renewal, and consider specifying both separately if the sub-limit is low.
Condition is what decides marine claims
Almost every declined marine claim is an argument that a failure was gradual rather than sudden. The records you keep are what answers it.
Related guides
- Tender and Dinghy Theft Claims
- Outboard Motor Theft Claims
- RIB and Tender Insurance Australia
- Boat Insurance Sum Insured: Choosing Your Vessel Value
- How To/Storage And Moorings
- Boat Theft Insurance Claims Australia
- Yacht Tender Insurance: Cover Away from the Boat
- Boat Insurance Underwriting: Surveys, Age and Maintenance
- Catamaran Davits and Tender Lifting Insurance