Jet Ski Insurance
| Insurer | Outstanding Policy Features | Quote |
|---|---|---|
| Any driver over 21. Discounts for RYA PWC certificate holders. |  |
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| Noble Marine are specialist insurance brokers providing boat insurance for most types of pleasure craft based in the UK. | |
Jet skiing can be an incredibly enjoyable pastime, but if you want to enjoy it at its best it pays to have fully comprehensive jet ski insurance in place. Why? Read on.
Jet skis can be hugely expensive, so the first and most obvious reason for personal watercraft insurance is to be protected financially. If your jet ski were to be involved in an accident or was damaged in some way the costs can quickly add up, and if you don’t want to fork out for repairs or even for a whole new vehicle then it’s wise to be prepared.
It’s also a good idea to think about the potential damage to other people. If someone else were to be injured in an accident, be it your passenger or someone else on the water, you’ll quickly find yourself liable to claims. There’s also the chance that your jet ski could damage someone else’s property, and again those costs can quickly add up.
Third party cover should therefore be the least of your worries, but always consider going for more comprehensive options as well. Most policies will be able to offer a higher level of protection such as personal accident cover often being included as standard, as well as the usual third party options.
Think about whether you’ll be going abroad as well. Most policies will insure you when you’re in UK or coastal waters up to around 12 miles offshore, but they should also be able to give you European cover for a set time limit. Theft is also a very real possibility with jet skis being incredibly desirable items, so try to make sure that you’re covered in this instance as well.
But, as with all types of insurance, certain exclusions will always apply. These include things like damage caused by irresponsible handling, drivers under the age of 21 and inflatable towing devices, so always read the small print to check what’s covered.
As you can see, jetski insurance should always be considered to ensure you’re fully prepared when on the water. But, you might be slightly concerned about the cost, but there are always things you can do to lower the premiums.
For example, you’ll often be able to find special terms if you own specific vehicles (such as See Doo’s) and discounts can usually be found if you’ve got a RYA PCW certificate. Always look for the best deals you can and take advantage of any discounts that are given, and once you’re completely covered you can get on those waters with confidence.