I'll have a look at that polymarine.Have a look at the Polymarine website, has lots of useful advise - they can provide repair patches and adhesive. I would suggest your rowlock hole could be patched from the inside - a bit like replacing a valve. I have repaired similar damage to both PVC and Hypalon boats. If you take care and make sure everything is cleaned and prepared properly, these repairs are permanent.
Unless it was a very expensive dinghy I don't think that claiming on insurance is worth it.Insured?
They've been done in.sort out the rats....
Budget PVC inflatable..... ?
Repair more time and expense than its worth ?