Just to add my opinion:
1) If you belong to a club or the MPBA they typically require a test certificate as when you enroll with the club you accept and agree to abide by their rules. This also ensures insurance coverage if something should go wrong.
2) There is the 3 bar litre rule which effectivley means small boilers are not legally required to have a boiler test certificate. This means you can run on any public facility/park that you want to without a certificate. Believe this is European law which overides UK law.
3) Private facilities/shows can do what ever they want and would typically require a test certificate if you want to sail as part of the show.
4) Most household insurance covers you for hobbies provided the boats/planes are not over a certain size. There are no qualifications to this if I recall correctly as European Law applies per the 3 bar liter rule. If it is not excluded it is covered and there is case law to support this.
5) In practice this means even if you are a club member and sail on a local park lake you will need a boiler test certificate if sailing as a member, but if sailing as a private individual, you do not!
6) I have done Google searches on model boiler accidents and there is very little if any information on model boat boilers. Steam traction engines and train engines are in a different catagory alltogether due to the higher pressures utilised. Having said this I am aware of two boat accidents - one where the owner fitted the wrong safety valve (wrong thread) so it blew out but no great harm done and the other was a gas leak which set fire to the boat and burned out the steering servo. It stopped at my feat so was very simple to put out the small fire.
7) There are many people who seem to think a small boiler is like a bomb. It is not. Cheddar models once tested one of their boilers to destruction on steam and all that happened was some buldging and then a water tube leaked steam onto the burner and put it out. No explosion.
I think they are very much less dangerous than people think but neverthe less it is good practice to look after them and have them tested from time to time as no one wants any accidents.
9) I await the ungodley to pounce!
Cheers
Geoff