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Jet skis and boards: brands, cover and insurance
The risk everyone else calls special.
Personal watercraft are excluded from private liability policies, and not every insurer will write them. Racing and training are excluded almost everywhere in the market, so check whether they can be added at all.
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What matters for this class of boat
Check theft cover for immobiliser requirements and night clauses.
Check whether racing and training can be added, and how the accident cover treats a helmet.
Check whether pontoon, lift and trailer can be included and whether the trailer sits in the liability cover.
Ask whether a fitted GPS or Bluetooth tracker changes the hull premium.
Brands in this class
19 brandsThese points apply to the whole class; each brand has its own page with models and years.
Jet skis and boards: what to check in the insurance conditions
Value: small, fast, easy to steal
A personal watercraft is light enough to lift onto a trailer and is gone in minutes. Theft is the claim that decides whether the policy was worth it, so read the theft clause first: does it require an immobiliser, a lock, a garage or a tracker, and does cover stop at night? Write down the hull identification number and keep photos of the craft and the trailer.
Use: liability and the law
Private liability policies leave personal watercraft out, and many marine policies do the same. Check that the liability cover names the craft, covers a second rider and applies where you ride, because some areas ban jet skis or limit them to marked zones. Foils, e-foils and motorised boards are a young class, and not every wording has caught up with them.
Racing, training and towing
Racing and organised training are excluded in most of the market. If you take part, check whether they can be added and what the accident cover says about a helmet and an impact vest. Towing an inflatable or a wakeboarder is a separate question that the wording should answer, and so is lending the craft to a friend.
Typical claims
Theft from the trailer, a collision with another craft, hull damage on a beach landing and water in the engine after a capsize are the usual claims. Engine damage from ingested water is often treated as operator error, so ask how the policy handles it before it happens. A board with a battery adds a fire risk that the wording should mention.
