If you’ve made no claims in the past 5 years
If you find the same level of cover and policy terms elsewhere for less, we’ll beat it and refund the difference.
Up to 60 days’ cover at any one time for inland and certain coastal waters of Europe
Whether you’re an experienced jet skier or a beginner, you need to protect your jet ski – and potentially yourself – with specialist jet ski insurance.
Below, we outline the range of scenarios in which you’d need this cover, from theft and damage to salvage charges and third-party liability. We also provide a breakdown of our various jet ski insurance policies to help you decide which option is best for you.
Jet ski insurance is a form of financial protection which compensates you in the event of accidents and certain other incidents. For instance, if your jet ski is lost, stolen, damaged, or if a claim is made against you.
Insurance is a must for any jet ski or other personal watercraft owner. At Insure4Boats, our jet ski insurance provides cover for various scenarios.
There are various reasons why you need jet ski insurance.
Firstly, jet skis and their accessories come at a cost – usually a high one, too. So, you’re taking huge risks by not insuring them.
Not only do you need to consider the possibility of your jet ski or its accessories being stolen, but you also need to consider the potential for a serious accident to occur – jet skiing is an extreme sport, after all. These are the main reasons you need insurance to protect yourself.
Aside from damage to your jet ski, you’re also a potential hazard for other people while out on the water. That’s why we provide £1m of Third Party Liability to cover your legal liability if you damage another boat or property, or injure another person.
Read on to find out more about the specifics of our cover.
With Insure4Boats, you can cover your jet ski up to the value of £20,000 against theft, accidental damage, malicious damage, and salvage charges. As explained above, you can also get up to £1m of Third Party Liability.
Plus, when you insure your jet ski with us, we’ll automatically include cover for your trailer, too, provided you include its value when you fill out our quote form.
You’ll also be covered if you have any accidents within the marina while towing or unloading your jet ski.
Our jet ski insurance policies allow you to add optional extras, including European cover. When you select this cover, you’ll remain covered for 60 days at any one time on Europe’s inland and coastal waters. Please note, though, that this cover is limited to Belgium, Holland and France, but not west of Brest. You’re also covered in Eire (limited to the Irish Sea).
Here’s a summary of our jet ski cover*. Please refer to the Insurance Booklet for full terms and conditions.
*Cover also extends to any person in charge of your boat with your permission.
Theft
We’ll cover the theft or attempted theft of your jet ski and/or trailer while they’re located either at your home or a permanent place of storage, as outlined in your policy document. In order for us to process your claim, we’ll need you to provide sufficient evidence of forcible, violent entry into the locked building, as well as proof that your jet ski seat was removed for storage purposes.
Please refer to the Insurance Booklet for full terms and conditions regarding theft.
In December 2019, an Insure4Boats policyholder went to pick up some suitcases from the 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.
Accidental loss or damage
We’ll cover you for repairs or replacements if your jet ski sustains damage via the following:
Please note, we can’t cover you for general wear and tear, deterioration, rust, corrosion, or any other adverse weather damage.
Your jet ski is in transit when it accidentally picks up severe damage. With our insurance, you would be covered for the cost of repairs or replacements.
Malicious damage
We’ll cover you for the physical loss of – or damage to – your jet ski caused by a malicious act by any person. This is providing you’ve reported the incident to the police and obtained a crime reference number.
Unfortunately, we can’t pay out if the damage has been caused by you or your immediate family or if you’ve not obtained a valid crime reference number.
You're out on the open 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, our insurance would cover you.
Salvage charges
We’ll cover the following:
However, we can’t 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. Our insurance would cover the cost of this service.
Liability to third parties
We’ll cover any sums that you’re legally liable to pay if another person dies or suffers serious bodily injury due to colliding with your jet ski. We’ll also cover damage to property or another vessel.
Furthermore, our liability insurance protects you (and any other permitted person in charge of your jet ski) for the legal costs of settling or defending a civil claim. This is providing we’ve given written consent in advance.
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.
As a result of the accident, the damaged jet ski struggled to accelerate and was badly vibrating on the water.
We were able to cover our policyholder for the £1,935 damage costs.
We know what you, as a jet ski owner, needs in terms of cover, and our policies reflect this knowledge. 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 and are explained in plain English. You can pick and choose your cover options so that you only pay for the cover you need.
Plus, thanks to the Ripe Guarantee, you won’t find a better price anywhere else. In fact, if you do, we’ll beat it and refund the difference.
We also offer a no claims discount of up to 25% if you’ve made no claims in the past five years. Get an instant online quote today and discover the value of our jet ski insurance.
How much does it cost to insure my jet ski?
The cost of insuring your jet ski depends on a variety of factors. These include things like your age and claims history.
Can my boat insurance be in joint names?
Yes, anyone who has a financial interest in the boat can be named on the policy.
Can I add another boat to my insurance policy?
No, you’d need to buy a second policy.
I have some expensive equipment on board. Will this be covered on and off the water?
We do not cover personal possessions on a jet ski policy.
Can I transfer the policy to the new owner when I sell my boat?
No, the policy will remain in your name. However, if you buy a new boat, you’ll be able to swap your boat on your policy.
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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