"The pain was like nothing I had experienced before."
She said other passengers were screaming at the skipper to stop the boat.
Her back was broken and a later MRI scan showed she was lucky not to be paralysed.
She spent the next four months lying in bed or on a sofa and has been told she is likely to suffer pain for the rest of her life.
Mrs Lee, who was visiting from London for the wedding of Mrs Patey's daughter, said her back was broken too.
Her victim impact statement said the incident ruined her holiday.
"The trauma and emotional toll taken on me has been devastating."
Maritime New Zealand prosecutor Alysha McClintock said the authority was seeking a fine of between $70,000 and $80,000 for the first incident and one of between $100,000 and $120,000 for the second.
She told the court one of the company's skippers had raised concerns about the Excitor III before the January incident.
"So, it is clear that a safety issue was brought to the company's attention and nothing was done about it."
Ms McClintock quoted from the skipper's evidence which said: "I brought it up, nothing happened and someone got hurt."
In Ms Phillips' statement, also read to the court, she said that when she took the boat ride, she had every reason to believe it was safe.
"It seems the company had every opportunity to rectify previous safety problems on this boat and did not do so, choosing to risk major harm to customers like myself for profit."
InterCity Group lawyer Rob Latton said that was "not the case at all".
Mr Latton said the skipper also commented that he did not think his concerns were serious enough to stop the operation of the boat.
He said his client had trained their staff but that some "may not have driven to the conditions".
The company developed a code of conduct and after the first incident removed seating from the back of the vessel and imposed speed restrictions.
The company last Thursday apologised to the victims and paid $33,000 in reparations to Ms Lee and Ms Phillips. Mrs Patey was paid $44,000.
Judge Phil Gittos will deliver his sentence next month.