But. as as clarified many years ago by the RCD, and subsequently a legal review in 2024, the 5 year exemption was only for boats built by the owner - NOT just a "fit out"
It is only a DIY boat if both the hull and the fit out are done by the owner.
Brokers have started to include this in their Q&A's
Here is ABNB's explanation .............
ABNB Brokers statement :
Statement re Self builds and sailaways. RCD compliance
The exception to the above, is for a vessel that has been self-built in its entirety (including the shell) by a DIY boatbuilder for their own personal use. However, if the vessel is placed on the market within 5 years, it must be CE marked to satisfy the requirements of the RCR (RCD). The vessel does not have to be complete for the 5 year period to start, but does have to have been used as a boat (e.g. cruised on a waterway).
The '5-year rule' does not apply to a private boatbuilder who is building a boat for their own use from a shell or sailaway that has been purchased from a professional builder. These vessels have to be assessed under Post Construction Assessment by an Approved Body when put into service.
In the Inland Waterways, the industry as a whole believed that a self-fitted out boat fell under the 5-year rule, ie. as long as the boat owner kept the boat for 5 years, it did not need to comply with the RCD and could be sold legally. However, a recent Independent legal review and clarification from Trading Standards in early 2024 has highlighted that this is not the case.