Whether you’re an experienced jet skier or just getting started, specialist jet ski insurance through Insure4Boats can protect you and your jet ski in the event of accidents or other unexpected events.
Jet ski insurance through Insure4Boats can cover your jet ski against theft, damage, and salvage charges, up to the value of £20,000. You can choose from a range of optional extras, too, and we’ll also include cover for your jet ski trailer, provided you tell us its value when taking out your policy.
*Cover also extends to any person in charge over the age of 18 in charge of your boat, with your permission. Full terms and conditions can be found in our Jet Ski Insurance Booklet.
Theft
Theft or attempted theft of your jet ski and/or trailer while they’re located at home or in a permanent place of storage, as outlined in your policy document.
In the event of a theft claim, you’ll need to provide sufficient evidence of forcible and/or violent entry into the locked building where your jet ski was kept.
In 2019, an Insure4Boats policyholder went to pick up some suitcases from a rented garage in which their jet ski was also stored.
It soon became clear that the garage had been broken into, and the jet ski had been stolen.
The theft was reported to the police, and we paid out the full £9,450 to the claimant. Unfortunately, we can't pay out on claims unless you give us your jet ski's serial number.
Third Party Liability
This can provide cover for costs you’re legally liable to pay if a person suffers death or serious bodily injury due to colliding with your jet ski. Cover damage to property or another vessel is also covered.
Third Party Liability insurance can also cover you (and any other permitted person in charge of your jet ski) for the legal costs associated with settling or defending a third-party claim.
Back in 2018, one of our policyholders was out on their jet ski when they collided with another skier.
There were superficial marks at the point of impact with the third party, and cracking to the lacquer.
Our policyholder was covered for the £1,935 damage costs.
Accidental loss or damage
This can cover the cost of repairs or replacements if your jet ski sustains damage via the following:
However, you will not be covered for general wear and tear, deterioration, rust, corrosion, or any other adverse weather damage.
Your jet ski is in transit when it accidentally gets damaged. With Insure4Boats, you could be covered for the cost of repairs or replacements.
Malicious damage
This relates to the physical loss of (or damage to) your jet ski caused by a malicious act by another person. This is provided you’ve reported the incident to the police and obtained a crime reference number.
You will not be covered if the damage was caused by you or an immediate family member or if you’ve not obtained a valid crime reference number.
You're out on the water when someone intentionally damages your jet ski. You report the incident to the police and they give you a crime reference number.
In this scenario, you could be covered through Insure4Boats.
Salvage charges
Covers salvage, towage and assistance charges plus any associated expenses.
However, we will not pay out on any salvage charge claims that relate to your jet ski being swamped, sunk, or submerged while afloat and unattended.
Your jet ski is severely damaged and you need assistance to tow it away. You could get cover for the cost of doing so through Insure4Boats.
As fun and exciting as jet ski life can be, travelling at speed on the water is not without risk, so there are various reasons why you may want to consider specialist jet ski insurance.
Jet skis and their related accessories are expensive, making them a target for thieves. Accidents can also happen out on the water, putting your jet ski at risk of damage. Jet skiing is classed as an extreme sport, after all!
You’re also a potential hazard to others while cruising. That’s why you can also get up to £3m worth of Third Party Public Liability through Insure4Boats, to protect you if you’re deemed responsible for an injury to another person or damage to their property.
We know what you, as a jet ski owner, needs in terms of cover, and our policies reflect that. We also know that insurance can be complicated and full of jargon – and we’re here to change that.
Our simple, easy-to-navigate jet ski policies can be obtained in just a few clicks. You can pick and choose your cover options so that you only pay for what you need.
You can get up to £3m worth of Third Party Liability cover on your jet ski policy for protection and peace of mind should you be involved in a boating accident.
We also offer a no claims discount of up to 25% if you’ve made no claims in the past five years. Get an online quote today and discover the value of our jet ski insurance.
The cost of your jet ski insurance can depend on several factors, such as your age and jet ski value.
The best way to find out what your cover could cost is to get a quote online.
You can also get up to a 25% No Claims Discount through Insure4Boats if you’ve made no claims in the past five years.
Can my jet ski insurance be in joint names?
Yes, anyone with a financial interest in the boat can be named on the policy.
Can I add a second jet ski to my policy?
No, you would need to buy a second policy.
Is my equipment covered on and off the water?
Personal property isn't covered on a jet ski policy. More information can be found in the Jet Ski Insurance Booklet.
Do you provide jet ski travel insurance?
If you add European Cover to your policy, you’ll be covered to use your jet ski for 60 days at any one time on Europe’s inland and coastal waters.
However, please note that this is limited to Belgium, Holland and France, but not west of Brest. You’ll also be covered in Ireland (limited to the Irish Sea).
Can I transfer my policy to the new owner if I sell my boat?
No, the policy would still remain in your name. However, if you buy a new boat, you’ll be able to swap the boat listed on your policy.
Do you need a licence for a jet ski in the UK?
No, there is currently no legal requirement to hold a licence or undergo any formal training to operate a jet ski for recreational purposes in the UK.
We hope we’ve covered everything you need to know about your jet ski insurance here, but if there’s still something you’re not quite sure about, visit our FAQs page.
No problem. You can set your policy to start anytime in the next 90 days so you can be covered when you need it.
Can’t find what you’re looking for? Call 0800 668 1661 and one of our friendly advisors will be happy to help.
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