Over Powering Boats

moonraker 36 said:
with out getting personal.(like some)
and i'm insured aswell 2millon liabilty
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I very much doubt that your insurance company would cover you in the event of a serious claim. Any claim that involved investigation (injury, death, total write off) would quickly show the boat was not being suitably powered and your 2 million cover would simply end up being that you owe £2 million to the family of the person you've just killed as the insurance company would wag a finger and walk away.

The manufacturers limits are set by them for a reason. Not just for fun.
 
Having owned a similar Fletcher, I can confirm that there is very little freeboard at all on that hull. With a 60hp Mariner (50% over the rated hull maximum, but hey, we were young...) it went like stink and was probably just about on the ragged edge. I once caught a wave, jumped the boat and landed it on its port rubbing strake with enough force to rip the rubber clean off the entire length of the hull.

That 100hp lump looks like it will cause two problems: the first is that the sheer weight will submerge the transom when the boat is launched (which will at least solve the second problem before it develops). The second problem is that I suspect the motor will simply cause the boat to flip up: too much thrust, and the C of G of the motor way too high on the transom.

See what I mean about the height?
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BoatNo2Wysiwyg.jpg
 
I agree that putting a larger outboard than max allowed for the hull is a bad move but...

if you declare the type of boat and outboard to the insurance company, is it not down to them to do the homework and realise the outboard is too big? Insurance companies being what they are I am sure there is a clause somewhere that gets them out of this but if they offer insurance in the first place and you have been honest with them, can they back away from a claim?
 
MarieK said:
I agree that putting a larger outboard than max allowed for the hull is a bad move but...

if you declare the type of boat and outboard to the insurance company, is it not down to them to do the homework and realise the outboard is too big? Insurance companies being what they are I am sure there is a clause somewhere that gets them out of this but if they offer insurance in the first place and you have been honest with them, can they back away from a claim?
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Bigger than the build plate states = void insurance. Up to you to check, they won't, until they have to pay out.
 
Nautibusiness said:
I very much doubt that your insurance company would cover you in the event of a serious claim. Any claim that involved investigation (injury, death, total write off) would quickly show the boat was not being suitably powered and your 2 million cover would simply end up being that you owe £2 million to the family of the person you've just killed as the insurance company would wag a finger and walk away.

The manufacturers limits are set by them for a reason. Not just for fun.
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you seem to be obsessed with someone dying.
do you go every were in your car flat out..
 
hmm i let the freeman 41 with twin v10 twin trubo diesel's no
the princess 25 with 5.7l v8
the commerical barges that had 21hp lister's that now run 120hp gardners
the sailing barges that now have engine's!!
the moonraker 36 that now has 285hpx2 instead of 175hpx2
we dont all wont to live in a cotton wool society..
no one has mentioned driving a boat dangerously..it dos'nt have to be overpowered to do that!!
 
landlockedpirate said:
Lots of different views, but IMHO the Ebay boat is well over the top, Fletchers dont have a huge amount of freeboard and the weight of the engine might sink it even before it starts.

If it ever did start, I think it would be flipped quickly in the wrong hands. Most of this board are experienced and can make informed decisions, newbie buyers on Ebay might not be that lucky.
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EXACTLY.................
 
moonraker 36 said:
hmm i let the freeman 41 with twin v10 twin trubo diesel's no
the princess 25 with 5.7l v8
the commerical barges that had 21hp lister's that now run 120hp gardners
the sailing barges that now have engine's!!
the moonraker 36 that now has 285hpx2 instead of 175hpx2
we dont all wont to live in a cotton wool society..
no one has mentioned driving a boat dangerously..it dos'nt have to be overpowered to do that!!
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Nobody cares what engine YOU have in YOUR boat, the point is, go over the builders recommendation and you will not be insured.
 
moonraker 36 said:
no one has mentioned driving a boat dangerously..it dos'nt have to be overpowered to do that!!
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You're missing the point a bit, methink.
My lake boat tops 70mph with the stock power (425hp).
With an easy and relatively unexpensive upgrade I could bring the same block to 600+ and jump in the mid 80s.
I'd love to do that, also because I tried a boat like mine in the US with such setup, and the hull handles the increased power beautifully.
I really don't think she would be more dangerous, if driven with a pinch of salt of course.
But the insurance simply wouldn't care - if they'll have a good excuse for not paying, they won't.

That aside, the typical answer you can hear from any sensible performance boater to the question "how much should I spend to bring my boat speed from X to Y?" is invariably "more than you'd spend selling your boat and buying another one already built for a Y speed". :)
 
the o/p asked when dose it become dangerous.espacily in inexperienced hands.. not will the insurance payout.
different topic all together..
 
LOL, fairenuff, 'twas just my humble opinion anyway - as always.
Besides, when you said that a bad helmsman can be more dangerous than anything else, I actually can't disagree at all! :)
 
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