A buyer’s guide to jet ski insurance

Haven’t taken out jet ski insurance yet? Our buyer’s guide will walk you through all of the different things you need to consider so that you’re fully covered in and out of the water…


What am I covered for?

Jet ski accidents are common, so it’s really important that you get the necessary cover before venturing out onto the water. Your PWC insurance will cover you for a number of things, including:

  • All accidents at sea, on lakes, rivers or other navigable waters
  • Damage by fire
  • Theft
  • Personal liability
  • Damage through malicious acts
  • All riders 16 years of age or over using the craft with your permission
  • Riders aged 14 or 15 provided they are accompanied by an adult 25 or over

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What are the benefits of jet ski insurance?

The main benefit of jet ski insurance is that it covers you in almost every eventuality, so that should you happen to be upon any unfortunate circumstances, you won’t have to fork out for any associated costs.


Another great benefit is that when you take out jet ski insurance with GJW Direct, you’ll be able to sign up to MyBoat, a free digital boat management system where you can access exclusive discounts and offers on a range of recognised marine brands.


What are the exclusions of my insurance?

As with any insurance policy, there will be some exclusions. This includes:

  • Theft where the craft is unsecured or unattended
  • Theft by trick or deception
  • Wear and tear
  • Rectifying faulty design or construction
  • Employees using the craft
  • Wilful misconduct or recklessness
  • Towing persons or items


Where am I covered?

Each policy will differ between person to person depending on your specific requirements. You are completely covered provided you are within your cruising area as defined on your certificate of insurance. Most insurers offer European cover but you need to check with your policy provider for the exact details.


What are my obligations?

As standard, when you take out insurance you are obliged to ensure you craft is in good condition and regularly maintained. You’ll also need to provide your policy provider with details of any incidents, accidents and potential claims as soon as they happen. Other obligations include:

  • Keeping all your information up to date and accurate throughout the life of the policy
  • Meet the security requirements that apply to the policy
  • Tell the insurance provider if you sell the craft
  • Make the required payments
  • Tell the insurance provider if you intend to make any structural alterations to your craft

Sign up to MyBoat

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