Insuring Sea-Doo (BRP): cover and premium
jet skis and boards · Canada
Sea-Doo (BRP) builds jet skis and boards in Canada. NAMMERT insures a Sea-Doo regardless of year built or where you bought it, liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
Canada
Class
jet skis and boards
Typical sizes
3 to 4 m
Premium from
from about €99 a year
Worth knowing
Sea-Doo (BRP); cover, cost and conditions
Sea-Doo is the watersports brand of Bombardier Recreational Products from Valcourt in Québec and one of the best-known jet ski brands in Germany. The range is enormous: the Spark weighs less than 200 kilograms and makes do with 60 hp, while the RXP-X 325 delivers more than five times as much. For the premium it is the power that counts, not the purchase price, so there are worlds between a Spark and an RXP-X even though both carry the same registration mark.
The model ranges differ not only in horsepower but in intended use, and that is relevant for insurance. The Spark is a leisure craft for the lake. GTI and GTX are touring craft that are also ridden by two or three people, and there the occupant accident cover for the passenger matters. RXP-X and RXT-X are sports craft on which races are actually run, and the Explorer Pro is a tourer for longer distances with luggage, where the equipment belongs in the sum insured.
For jet skis, regardless of brand, one thing applies: private personal liability insurance does not cover them. Personal watercraft are excluded from private personal liability contracts, and not every insurer underwrites them at all. We have been insuring jet skis since 2005, with third-party liability from 99 euros a year. In hull insurance we do not require an immobiliser and we have no night clause, two restrictions on which contracts regularly fail in the event of theft.
For the RXP-X and RXT-X, race cover is the real issue. With us, racing and training can be included as a module; with the five competitors whose terms we reviewed as at 1 July 2026 this was not possible. Anyone taking part in an event should clarify this beforehand; without the module the cover ends at the starting line.
Two things are asked about particularly often with Sea-Doo. First, the iBR reverse function: it is a braking aid, not a braking system. Anyone relying on it underestimates the stopping distance; a jet ski has no brakes, only water resistance. Second, the water intake: in shallow water the jet draws in sand, and the resulting damage is not grounding damage but drive damage with its own question of cause. Neither appears in any brochure.
Practical points for the policy: pontoon, lift and trailer can be co-insured, and from Basis-Plus the trailer is included in the third-party liability at no extra premium, even when uncoupled. For a permanently installed tracker there is a ten percent discount on the hull insurance. And bear the waters in mind: on many German inland lakes and on almost all Austrian lakes riding a jet ski is prohibited, regardless of what the policy says.
A short drag race
Five Sea-Doo models over 100 metres.
The times are calculated, not clocked,
from power-to-weight and a drag factor typical of jet ski hulls.
Each bar shows how far a craft had got when the first one crossed the line.
Model data from the manufacturer catalogue, times estimated from power-to-weight.
Anyone who races needs the racing and training add-on; otherwise cover ends at the start line.
Questions and answers
Frequent questions
Does my private personal liability insurance cover the Sea-Doo?
No, not for Sea-Doo either: Personal watercraft are excluded from private personal liability
contracts.
Without your own policy you are liable with your private assets;
third-party liability starts at around 99 euros a year.
Is theft covered without an immobiliser?
Yes, for Sea-Doo too: We do not require an immobiliser in any tariff.
Only the night clause depends on the tariff: in Premium it does not apply,
in Basis and Basis-Plus it does.
For a permanently installed tracker there is a ten percent discount on the hull insurance.
Are races with the RXP-X insured?
Yes, for Sea-Doo too: with the racing and training module, including the practice runs.
Without it the cover ends at the starting line.
What applies to the passenger on the GTI and GTX?
For Sea-Doo: The occupant accident cover applies in Premium to all authorised persons on board and
pays regardless of the question of fault,
including after a handling error with no third-party blame,
where third-party liability does not apply.
Is damage caused by ingested sand insured?
For Sea-Doo: That depends on the cause.
Drive damage caused by a foreign body is assessed differently from a grounding;
report it before you continue riding.
Does the trailer count separately?
No, not for Sea-Doo either: From Basis-Plus it is included in the third-party liability at no
extra premium, even when uncoupled.
State its value in the application.
The cover that fits
jet ski insurance
Tariffs, cover and FAQ for jet ski insurance in detail.
Third-party liability
The foundation for a boat from Sea-Doo: damage to third parties, worldwide, from about €99 a year.
Hull cover
Partial or full hull cover for a Sea-Doo, at replacement value with an agreed fixed value.
For the whole class of boat
For Sea-Doo: What matters for jet skis and boards is the same across every brand; engine output,
how a claim is settled, cruising range and theft protection.
The class page lists every point and every brand in this class, Sea-Doo included.
Insuring jet skis and boards, every brand and every condition
Nautical information What counts before you cast off, papers, equipment, waters
Licence
A powerboat licence is required on almost every water.
Registration
Registration from 3 hp; an official number or boat certificate is required.
Waters
In many places only on designated areas; forbidden on Lake Constance and Bavarian waters.
Equipment
Lifejacket, kill switch with lanyard, helmet when racing; check the kill cord before every run.
Cruising range
Stay within 2 nm of the coast; proof of insurance is compulsory in Croatia, Italy and Spain.
Weather
From Beaufort 4 it gets demanding; wind against current builds a steep, short sea.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Sea-Doo.
Current wind force and direction for your waters are shown on the Home.
Series by Sea-Doo, with value and cover
SP / SPI / SPX (classic) is a jet ski from Sea-Doo (Canada), built from 1988 to 2000,
and today changes hands at between €1,000 and €4,000.
XP / XP Limited (classic) is a jet ski from Sea-Doo (Canada), built from 1991 to 2004,
and today changes hands at between €1,000 and €5,000.
HX (classic) is a jet ski from Sea-Doo (Canada), built from 1995 to 1997,
and today changes hands at between €1,000 and €3,000.
GTS / GTX first generation is a jet ski from Sea-Doo (Canada), built from 1992 to 2001,
and today changes hands at between €1,000 and €5,000.
GS / GSX / GSI (classic) is a jet ski from Sea-Doo (Canada), built from 1996 to 2001,
and today changes hands at between €1,000 and €4,000.
RX / RX DI (classic) is a jet ski from Sea-Doo (Canada), built from 1998 to 2003,
and today changes hands at between €2,000 and €6,000.
LRV / 3D (classic) is a jet ski from Sea-Doo (Canada), built from 2000 to 2006,
and today changes hands at between €2,000 and €6,000.
GTX 4-TEC first generation is a jet ski from Sea-Doo (Canada), built from 2002 to 2009,
and today changes hands at between €2,000 and €8,000.
RXP 155 / 215 (4-TEC Supercharged) is a jet ski from Sea-Doo (Canada), built from 2004 to 2012,
and today changes hands at between €3,000 and €10,000.
RXT 215 / 255 / 260 is a jet ski from Sea-Doo (Canada), built from 2005 to 2015,
and today changes hands at between €4,000 and €13,000.
RXP-X 255 / 260 is a jet ski from Sea-Doo (Canada), built from 2008 to 2015,
and today changes hands at between €5,000 and €15,000.
RXT-X 255 / 260 aS is a jet ski from Sea-Doo (Canada), built from 2008 to 2016,
and today changes hands at between €5,000 and €16,000.
GTR 215 / 230 is a jet ski from Sea-Doo (Canada), built since 2012,
and today changes hands at between €8,000 and €20,000.
GTI 90 / 130 is a jet ski from Sea-Doo (Canada), built since 2010,
and today changes hands at between €8,000 and €18,000.
GTX 170 is a jet ski from Sea-Doo (Canada), built since 2012,
and today changes hands at between €14,000 and €28,000.
RXP-X / RXT-X 300 is a jet ski from Sea-Doo (Canada), built from 2012 to 2023,
and today changes hands at between €16,000 and €32,000.
RXP-X 325 (Rotax 1630 ACE) is a jet ski from Sea-Doo (Canada), built since 2024,
and today changes hands at between €19,000 and €27,000.
RXT-X 325 (Rotax 1630 ACE) is a jet ski from Sea-Doo (Canada), built since 2024,
and today changes hands at between €20,000 and €29,000.
GTX Limited 325 is a jet ski from Sea-Doo (Canada), built since 2024,
and today changes hands at between €22,000 and €31,000.
Sportster / Islandia (jet boat) is a motorboat from Sea-Doo (Canada), built from 1995 to 2008,
and today changes hands at between €5,000 and €28,000.
Challenger 180 / 230 (jet boat) is a motorboat from Sea-Doo (Canada), built from 2000 to 2012,
and today changes hands at between €10,000 and €45,000.
GTX / GTX Limited is a jet ski from Sea-Doo (Canada), built since 2005,
and today changes hands at between €10,000 and €34,000.
Speedster 150 / 200 (jet boat) is a motorboat from Sea-Doo (Canada), built from 2005 to 2012,
and today changes hands at between €8,000 and €32,000.
GTI / GTI SE is a jet ski from Sea-Doo (Canada), built since 2006,
and today changes hands at between €7,000 and €22,000.
Wake / Wake Pro is a jet ski from Sea-Doo (Canada), built since 2006,
and today changes hands at between €9,000 and €26,000.
Spark / Spark Trixx is a jet ski from Sea-Doo (Canada), built since 2014,
and today changes hands at between €6,000 and €16,000.
Fish Pro / Explorer is a jet ski from Sea-Doo (Canada), built since 2019,
and today changes hands at between €16,000 and €30,000.
Switch (Jetponton) is a motorboat from Sea-Doo (Canada), built since 2021,
and today changes hands at between €18,000 and €42,000.
Also a motorboat, built from 1996 to 2012, €6,000 to €26,000.
Sportster 1800 / Utopia 185 (jet boat) is a motorboat from Sea-Doo (Canada),
built from 1997 to 2010,
and today changes hands at between €5,000 and €22,000.
Also a motorboat, built from 2005 to 2016, €14,000 to €45,000.
GTX 230 / GTX 300 is a jet ski from Sea-Doo (Canada), built since 2018,
and today changes hands at between €15,000 and €19,000.
FishPro Scout / Sport / Trophy is a jet ski from Sea-Doo (Canada), built since 2019,
and today changes hands at between €15,000 and €23,000.
Explorer Pro 170 / 230 is a jet ski from Sea-Doo (Canada), built since 2022,
and today changes hands at between €19,000 and €21,000.
Switch Sport / Switch Cruise (Jetponton) is a motorboat from Sea-Doo (Canada), built since 2022,
and today changes hands at between €24,000 and €42,000.
Wake Pro 230 is a jet ski from Sea-Doo (Canada), built since 2010,
and today changes hands at between €17,000 and €20,000.
Spark Trixx (2-up / 3-up) is a jet ski from Sea-Doo (Canada), built since 2017,
and today changes hands at between €9,000 and €12,000.
RX DI / GTX DI (Direkteinspritzung) is a jet ski from Sea-Doo (Canada), built from 2000 to 2006,
and today changes hands at between €2,000 and €7,000.
For the SP / SPI / SPX (classic) and HX (classic) by Sea-Doo series there is no list price left.
That is why we work with an agreed value: you state the figure, we agree it,
and in a total loss exactly that amount is paid, with no deduction for wear.
For the XP / XP Limited (classic), GTS / GTX first generation,
GS / GSX / GSI (classic) by Sea-Doo and 15 more series the market value and the replacement cost
often differ widely.
An agreed value removes the age-based scale, and the figure in the policy stands.
As the GTR 215 / 230, GTI 90 / 130, GTX 170 by Sea-Doo and 15 more series are still in production,
parts are available and repair costs are predictable.
Even so, value it at replacement cost including retrofitted electronics, not at list price.
For the SP / SPI / SPX (classic), XP / XP Limited (classic),
HX (classic) by Sea-Doo and further series: On a jet ski theft cover and engine output matter.
We write them with and without an immobiliser and with no age limit on the craft.
For the Sportster / Islandia (jet boat), Challenger 180 / 230 (jet boat),
Speedster 150 / 200 (jet boat) by Sea-Doo and further series:
On a motorboat the drive is the single most valuable part.
Damage after grounding is covered, an engine failure from wear is not.
The Sea-Doo range in figures
These figures come from the model records we keep for Sea-Doo: boat type, build years and length,
nothing estimated.
- jet ski
- 114 models, since 1985, mostly 2.7 to 3.5 m
- motorboat
- 50 models, 1993 to 2018, mostly 4.5 to 7.2 m
- sailing boat
- 1 model, 1977 to 1983, 4.7 m
Which model was built when?
What does a used Sea-Doo cost?
We hold today’s price ranges by year for 152 models by Sea-Doo.
The table shows what boats in average condition are worth,
from the oldest to the youngest year on record.
Choose your exact model, year and condition in the calculator.
| Model | Years built | Range today |
|---|---|---|
| Explorer Pro 170 | 2022 to 2023 | €15,000 to €21,100 |
| Fishpro Trophy 170 | 2022 to 2023 | €12,000 to €15,600 |
| Invitation | 1980 | €2,600 to €3,300 |
| RXT-X 325 RS | 2024 | €21,000 to €26,700 |
| Sea Doo 180 SP | 2012 to 2015 | €17,600 to €24,800 |
| Sea Doo 1800 | 2006 to 2008 | €16,100 to €21,500 |
| Sea Doo 210 SP | 2012 to 2014 | €22,700 to €31,300 |
| Sea Doo 210 Wake | 2011 to 2014 | €22,300 to €31,300 |
| Sea Doo 230 SP | 2012 to 2014 | €30,300 to €42,800 |
| Sea Doo 260 AS | 2012 to 2014 | €5,800 to €8,400 |
| Sea Doo 3D Basic | 2005 to 2007 | €2,600 to €3,800 |
| Sea Doo 3D DI | 2006 to 2009 | €2,300 to €3,100 |
| Sea Doo 3D Premium | 2004 to 2006 | €2,700 to €4,200 |
| Sea Doo 3D RFI (110 PS) | 2004 | €3,200 to €4,000 |
| Sea Doo Challenger | 1997 to 2002 | €9,200 to €51,900 |
| Sea Doo Challenger 1400 | 2000 to 2002 | €8,600 to €11,900 |
| Sea Doo Challenger 180 | 2005 to 2009 | €13,700 to €20,300 |
| Sea Doo Challenger 180 SCIC | 2005 to 2006 | €14,000 to €18,300 |
| Sea Doo Challenger 180 SE | 2005 to 2011 | €13,800 to €20,700 |
| Sea Doo Challenger 180 SE Tower | 2008 to 2014 | €15,100 to €24,700 |
| Sea Doo Challenger 1800 | 1999 to 2008 | €12,500 to €19,500 |
| Sea Doo Challenger 1800 EFI | 2001 to 2002 | €15,700 to €20,300 |
| Sea Doo Challenger 2000 | 2000 to 2007 | €14,200 to €22,600 |
| Sea Doo Challenger 210 SE | 2010 to 2014 | €29,800 to €46,600 |
| Sea Doo Challenger 230 | 2006 to 2007 | €24,700 to €32,000 |
| Sea Doo Challenger 230 SE | 2006 to 2014 | €24,600 to €40,800 |
| Sea Doo Challenger 230 SE Tower | 2009 to 2014 | €26,100 to €41,300 |
| Sea Doo Challenger 230 SP | 2009 to 2014 | €27,000 to €42,200 |
| Sea Doo Challenger X | 2003 to 2007 | €15,800 to €22,500 |
| Sea Doo Explorer | 1999 | €6,100 to €7,700 |
| Sea Doo GS | 1997 to 2002 | €300 to €800 |
| Sea Doo GS Inter. | 2001 | €900 to €1,200 |
| Sea Doo GSI | 1997 | €500 to €700 |
| Sea Doo GSX | 1996 to 1997 | €1,900 to €2,600 |
| Sea Doo GSX LTD | 1998 to 1999 | €1,800 to €2,300 |
| Sea Doo GSX RFI | 1996 to 2002 | €1,800 to €2,900 |
| Sea Doo GT (55 PS) | 1990 to 1991 | €2,400 to €3,600 |
| Sea Doo GTI 130 | 2000 to 2024 | €2,000 to €13,700 |
| Sea Doo GTI 4-Tec | 2005 | €3,600 to €4,600 |
| Sea Doo GTI 4-Tec Pro | 2006 to 2007 | €3,900 to €4,900 |
| Sea Doo GTI 90 | 2019 to 2024 | €8,800 to €16,200 |
| Sea Doo GTI Inter. | 2001 to 2002 | €2,800 to €3,600 |
| Sea Doo GTI LE | 2003 to 2006 | €2,300 to €4,300 |
| Sea Doo GTI LE RFI | 2003 to 2005 | €2,500 to €4,000 |
| Sea Doo GTI Limited 155 | 2012 to 2014 | €4,100 to €6,000 |
| Sea Doo GTI RFI | 2004 to 2006 | €2,800 to €4,300 |
| Sea Doo GTI SE | 2022 to 2023 | €13,800 to €20,200 |
| Sea Doo GTR 215 | 2012 to 2014 | €8,000 to €11,700 |
| Sea Doo GTS | 1992 to 2002 | €1,300 to €4,500 |
| Sea Doo GTS 130 | 2012 to 2014 | €4,100 to €6,000 |
| Sea Doo GTS Inter. | 2000 to 2001 | €2,400 to €3,100 |
| Sea Doo GTX | 1992 to 2002 | €2,100 to €5,500 |
| Sea Doo GTX 155 | 1993 to 2015 | €1,300 to €6,900 |
| Sea Doo GTX 170 | 2020 to 2024 | €12,900 to €21,500 |
| Sea Doo GTX 185 | 2003 | €5,400 to €6,900 |
| Sea Doo GTX 215 | 2007 to 2014 | €3,500 to €6,300 |
| Sea Doo GTX 230 | 2018 to 2024 | €10,300 to €19,200 |
| Sea Doo GTX 4-Tec | 2001 to 2006 | €3,500 to €5,300 |
| Sea Doo GTX 4-Tec Limited Supercharged | 2003 to 2005 | €3,200 to €4,100 |
| Sea Doo GTX 4-Tec Supercharged | 2003 to 2005 | €3,200 to €4,100 |
| Sea Doo GTX 4-Tec Wakeboarden | 2003 to 2004 | €3,500 to €4,800 |
| Sea Doo GTX DI | 2000 to 2004 | €2,200 to €4,500 |
| Sea Doo GTX iS 260 | 2011 to 2014 | €10,700 to €16,000 |
| Sea Doo GTX Limited 215 | 2006 to 2013 | €3,400 to €5,600 |
| Sea Doo GTX Limited iS 255 | 2009 to 2014 | €7,800 to €12,400 |
| Sea Doo GTX Limited iS 260 | 2010 to 2017 | €9,900 to €15,900 |
| Sea Doo GTX RFI | 1998 to 1999 | €2,500 to €3,200 |
| Sea Doo GTX RFI | 2000 to 2002 | €2,800 to €3,800 |
| Sea Doo GTX SC Limited | 2003 to 2007 | €4,400 to €5,900 |
| Sea Doo GTX Wakeboard Edition | 2004 to 2006 | €4,100 to €5,600 |
| Sea Doo HX | 1995 to 1997 | €2,200 to €3,000 |
| Sea Doo Islandia | 2000 to 2006 | €18,000 to €28,100 |
| Sea Doo Islandia SE | 2007 to 2009 | €23,500 to €41,200 |
| Sea Doo LRV | 2000 to 2002 | €6,700 to €9,400 |
| Sea Doo LRV DI | 2002 to 2004 | €7,400 to €9,900 |
| Sea Doo RX | 2000 to 2003 | €1,300 to €2,000 |
| Sea Doo RX DI | 2000 to 2004 | €1,400 to €2,400 |
| Sea Doo RXP | 2003 to 2011 | €1,800 to €3,600 |
| Sea Doo RXP 155 | 2006 to 2009 | €3,400 to €4,400 |
| Sea Doo RXP 215 | 2004 to 2012 | €1,500 to €3,800 |
| Sea Doo RXP X 260 | 2012 to 2014 | €6,000 to €8,600 |
| Sea Doo RXP-X 255 RS | 2007 to 2013 | €2,700 to €4,800 |
| Sea Doo RXP-X 325 | 2023 to 2024 | €14,400 to €18,400 |
| Sea Doo RXP-X RS Apex 300 | 2016 to 2023 | €6,100 to €15,800 |
| Sea Doo RXT 215 | 2005 to 2017 | €3,000 to €7,800 |
| Sea Doo RXT iS 255 | 2008 to 2011 | €7,500 to €10,000 |
| Sea Doo RXT iS 260 | 2010 to 2013 | €10,700 to €14,400 |
| Sea Doo RXT-X 255 RS | 2007 to 2011 | €4,100 to €5,900 |
| Sea Doo RXT-X 260 RS | 2011 to 2015 | €5,700 to €8,700 |
| Sea Doo RXT-X 300 | 2016 to 2023 | €13,200 to €28,100 |
| Sea Doo RXT-X aS 260 RS | 2012 to 2014 | €5,800 to €8,400 |
| Sea Doo RXT-X RS 300 | 2018 to 2024 | €13,100 to €24,000 |
| Sea Doo S4-TEC | 2003 | €9,600 to €12,200 |
| Sea Doo SP | 1988 to 1997 | €300 to €3,900 |
| Sea Doo Speedster | 1996 to 2004 | €9,900 to €15,900 |
| Sea Doo Speedster 150 | 2005 to 2014 | €12,000 to €20,200 |
| Sea Doo Speedster 150 Tower | 2007 to 2014 | €12,400 to €20,600 |
| Sea Doo Speedster 160 | 2004 to 2005 | €12,600 to €16,400 |
| Sea Doo Speedster 1600 | 2005 to 2007 | €11,800 to €15,700 |
| Sea Doo Speedster 200 | 2004 to 2014 | €15,900 to €27,900 |
| Sea Doo Speedster 200 Tower | 2005 to 2014 | €16,000 to €27,900 |
| Sea Doo Speedster 200 Wake | 2006 to 2011 | €16,700 to €24,700 |
| Sea Doo Speedster 200 Wake SC | 2005 to 2006 | €16,600 to €21,300 |
| Sea Doo Speedster EFI | 2001 to 2002 | €14,500 to €18,800 |
| Sea Doo Speedster SK | 1999 to 2002 | €10,800 to €15,700 |
| Sea Doo SPI | 1993 to 1996 | €400 to €1,200 |
| Sea Doo Sportster | 2005 to 2006 | €10,300 to €13,600 |
| Sea Doo Sportster | 1999 to 2000 | €6,900 to €9,300 |
| Sea Doo Sportster 1800 | 1997 to 2000 | €18,300 to €46,000 |
| Sea Doo Sportster 1800 | 1999 to 2006 | €12,100 to €18,900 |
| Sea Doo Sportster 4-Tec | 2003 to 2008 | €11,400 to €16,000 |
| Sea Doo Sportster 4-Tec SCIC | 2005 to 2006 | €11,900 to €15,600 |
| Sea Doo Sportster 4-Tec SCIC Wake | 2005 to 2006 | €11,900 to €15,600 |
| Sea Doo Sportster 4-Tec Wake | 2005 to 2006 | €11,600 to €15,200 |
| Sea Doo Sportster LE | 2000 to 2007 | €9,100 to €14,600 |
| Sea Doo Sportster LE DI | 2004 to 2006 | €10,700 to €14,300 |
| Sea Doo SPX | 1993 to 1999 | €400 to €2,700 |
| Sea Doo SPX 99 | 2000 to 2002 | €2,100 to €3,000 |
| Sea Doo Utopia 185 | 2001 to 2006 | €14,100 to €20,800 |
| Sea Doo Utopia 205 | 2003 to 2009 | €15,500 to €27,400 |
Estimate from our boat records, October 2026.
Not a survey.
Models by Sea-Doo we insure
Each Sea-Doo model has its own page with cover, cost and the points that matter for that boat.
Your model not listed?
We insure it all the same.
Sea-Doo insured in five minutes.
Boat type, year built, length and value of your Sea-Doo are all we need.
Work out the premium online or call us: +49 3375 29 12 77.