Terhi Terhi Family

The Terhi Terhi Family is a mid-size bowrider built in rotomoulded polyethylene by Terhi of Finland, a builder trading since 1971. On our measurements it works out at roughly 20 ft 6 in (6.25 m) of hull with a beam near 8 ft 10 in (2.69 m), which places it squarely in the trailerable family bowrider class: one vehicle, one trailer, one afternoon of prep, and the boat is in the water. ABS thermoplastic boats that are unsinkable, maintenance-free and almost indestructible.

Layout is classic bowrider and that is the whole point of the boat. Twin lounges run forward of the windscreen with a walk-through to the anchor well, the helm and companion seats sit amidships behind a wrap screen, and a full-width lounge spans the transom for sunbathing and socialising. Around 10 people fit aboard comfortably in sheltered water. Cushions lift out, backrests fold and filler pads convert the cockpit from a conversation pit into one long sun bed in a couple of minutes.

Underway the Terhi Family behaves the way a well-sorted mid-size bowrider should. It comes onto the plane early, holds a low tow speed without wallowing and tracks flat through a hard turn instead of skating out. In short chop you slow down and let the hull do the work, and it stays surprisingly dry for the size.

Power is a 150-225 hp four-stroke outboard package, and that suits both the hull and the way these boats are used. Keeping the machinery outside the hull frees up stern storage, simplifies servicing and removes the bellows and gimbal wear items that punish neglected stern drive boats. It also lifts the swim platform clear of the exhaust.

Watersports are well covered. A tow point is standard on almost every boat in this class, and Terhi owners regularly add a pylon or a folding tower for wakeboarding. A healthy outboard package pulls a slalom skier out of the water cleanly and tows children on an inflatable biscuit all day without protest. Skis, ropes and vests live in the under-floor and under-seat lockers so nothing sits underfoot while the boat is loaded.

Anglers do well out of the Terhi Family. The bow converts to a casting deck once the cushions are stowed, there is room to swing a rod without hitting the screen, and lockers swallow tackle, nets and a cooler. It is not a dedicated fishing boat, but it catches fish and it still takes the family out the next morning — which is the entire argument for owning a bowrider.

Build and finish sit where you would expect for a entry level boat from Finland. Terhi builds its hulls from ABS thermoplastic with a foam core sandwiched between two moulded skins, which produces a boat that is genuinely unsinkable, needs no antifouling or gel coat maintenance, and bounces off docks that would crack fibreglass. The material never rots, never oxidises and can be left outdoors through a Finnish winter without care. Terhi's larger models such as the 475, 480 and the Sunny and Family series offer bowrider-style forward seating, a small console, a walk-through arrangement and outboard power up to around 30 to 50 horsepower. These are small, sheltered-water boats rather than coastal cruisers, and that is the point: they are the perfect lake, river, cottage and family training boat, safe with children aboard and cheap to run. Terhi is the highest-volume small boat builder in Finland and the boats are sold across Europe. On the used market they are almost impossible to kill, so twenty-year-old examples still sell readily.

Options worth having on the Terhi Family are the practical ones: a bimini for shade, a decent bow and cockpit cover so the upholstery survives being stored outside, an upgraded sounder if you fish, and a stereo package that can be heard over the engine. Polyethylene hulls need almost no cosmetic care, so spend the money on seating, shade and electronics instead.

As a used buy, check the same things you would on any bowrider in this size band: transom firmness, stringer and floor soundness, hours and service history on the engine, steering and trim function, and the state of the upholstery seams, which are the first thing to fail on a boat that lives uncovered. At this end of the market condition matters far more than model year — a well-kept older boat beats a neglected newer one every time.

Our price guide for the Terhi Family is US$43,000 - US$56,000 new, which moves with engine choice, trailer, tower and how recently the boat was refreshed. Judged as a whole, it does what people buy a bowrider for: cruise, tow, swim, fish and entertain in one boat, without asking the family to compromise on any of them. Terhi has been refining that formula since 1971, and the Terhi Family is a straightforward, well-judged expression of it.