No, the PIC is by law supposed to have a USCG OUPV (aka 6 Pax license) or state issued operator's license if the vessel does not hit Waters of the US. State waterways are under the police authority of the individual states.
The OUPV is responsible for ensuring a safe vessel and SOLAS
type gear. Insurance companies can and sometimes do require a marine survey for commercial six passenger service.
The paragraph below is from your (UK) MGN280 (design criteria for commercial vessels under 24m):
https://assets.publishing.service.g...ploads/attachment_data/file/527970/mgn280.pdf
"Pleasure vessels are excepted from the code, and included in the definition of pleasure vessels are those vessels wholly owned by or on behalf of a members club. Reference should be made to the Regulations for a proper description of the conditions that need to be met for a members’ club vessel to claim exception as a pleasure vessel. Where any exception to the Regulations or the Code is claimed, the Administration will, if necessary, seek to use the provisions of section 290 of the Merchant Shipping Act 1995 to establish the facts."
MGN280 states:
"3.4 Sports Diving, Sea Angling and Other Water Based Recreational Activities"
I have only scanned UK vessel design criteria.
Seemingly there is an exemption for vessels that are privately owned (for non commercial use). Club divers seem to be included in this exemption. The devil is in the details; however, if I had to bet
a dollar, I would say that
@Wookie is correct. UK vessels have some of the same loopholes that US non commercial or 6 Pax vessels have.
Lifts don't
seem to fall under the same design protocols for privately owned vessels, including club boats.
cheers,
m²V2