Steve and Susan Scales and their 18-year-old son Liam were returning to Herne Bay after a trip along the coast to Whitstable when their boat capsized.
Mr Scales said "Progress back to Herne Bay was difficult when a wave caught the boat, rolled it over and we went into the water."
Mrs Scales was trapped underneath their 3.2 metre RIB boat. She said "It all happened so quickly, the boat flipped up and I was trapped underneath. All I could think was, where were Steve and Liam."
"It felt like along time trying to get out and I heard my husband calling me then I felt Liam pull me from under the boat and there was a great sense of relief.'