The shock of the wave caused the woman to be dislodged from her seat, resulting in a fracture of her spinal column and permanent paralysis, the report said.

The investigation found that the boat was hit by three waves, which caused the bow of the boat to land on the water 'with force, bringing the it to a sudden stop'.

Report finds serious failings after woman suffered life-changing injuries on a high-speed boat trip off Devon coast

The shock of the wave caused the woman to be dislodged from her seat, resulting in a fracture of her spinal column and permanent paralysis, the report said.