This paper examines the potential legal implications posed by Remotely Operated Vessels (ROVs) controlled by Remote Control Centres (RCCs) for hull and machinery insurance policies. It explores the insurability of RCC equipment together with the ROV under the same policy and analyses whether an analogy can always safely be drawn between RCC operators (whether acting as employees of the shipowner or independent third parties) and the master or crew of traditional ships. The paper concludes that a number of legal uncertainties and problems will need to be addressed before standard form hull and machinery (H&M) insurance terms that will be applicable to ROVs are revised.