Jetski insurance: Carve hard, worry less.
Carve hard into the bend, throw up a wall of spray and worry less about everything back on land. You get a price in about a minute and a real person on the phone, not a script.
- Walked through in English by phone
- A named contact from the first hour
- Report a claim straight to us
Paperwork, waiting, hold music
Three steps from trailer to open water
Pop in the model and value
Make, year and value are enough for a first figure. Paperwork? None up front, photos or a valuation only if needed.
Sign up or ring us first
Happy with the figure? Carry on online. Rather have a chat? Call +49 3375 29 12 77 and a real person picks up.
Claims go straight to us
If something does happen, you report it to our own team, online or by phone. No call centre, no runaround.
Plain numbers, no small print
What does your happy place cost a day?
Slide to your jet ski's value and tap a level. The figure is worked out by our tariff, so no guesswork and no sales patter.
How much backup would you like?
€25m liability plus full hull cover
The price of a good feeling
€2.02a day
€736 a year, paid annually
Less than a flat white at the marina.
Example for a boat worth €15,000, tariff as of 3 October 2026.
Arranged by NAMMERT as underwriting agency and insurance broker.
This is what it is for
Days worth getting wet for
High fives on the sand, the trailer down the slipway, then off you go. We will deal with the paperwork.
Good to know
The small print decides
Jetski policies look alike until a claim. Then the print decides, and three lines in particular settle the outcome: how the value is set, whether an immobiliser was required, and whether the machine was allowed to be on the water at that hour.
What does jetski insurance cost?
In short
Liability from 99 euros a year, partial cover from 169 euros, full cover from 219 euros. From Basis-Plus we insure to an agreed value rather than a depreciation scale, with no hours limit and no requirement for an approved immobiliser, and liability up to 50 million euros in Premium. Premium also removes the night clause.
Figures from the NAMMERT tariff, August 2026, annual premium including insurance tax.
Partial cover and full cover
Partial covers the machine at rest. Full adds what happens while it is being ridden.
The clauses that decide a claim
Five of these six lines are where competing wordings differ.
Agreed value, not a scale
From Basis-Plus the sum is fixed in the policy. A scale, as in our Basis tariff, pays a percentage by year of build, and that percentage is lower than you remember.
No immobiliser clause
Theft cover does not depend on an approved immobiliser being fitted and switched on. Read that line in every other quote.
Night clause removed in Premium
In Basis and Basis-Plus the jetski must be secured between 22:00 and 08:00, in a locked building or on a jetski pontoon with a security cable, for example. Premium drops the night rule; securing during longer absences remains.
No hours limit
No cap on operating hours and no mileage clause, so a well used machine does not quietly fall out of cover.
Trailer included
Carried in the liability section from Basis-Plus once named in the application, for a boat trailer that needs no road insurance of its own. Where the towing car insurance pays, it comes first.
Liability to 50 million euros
In Premium. Personal injury, property and financial loss, worldwide; liability has no cruising area.
Six providers, two jetskis, one and the same enquiry
Our own survey
As at 01.08.2026On 01.08.2026 we put the same enquiry to six providers, for the same two craft: Jetski, 115 PS, year of build 2023, insured value 11.500 € with a 1.300 € trailer; Jetski, 250 PS, year of build 2026, insured value 30.000 € with a 1.500 € trailer. The quotations received and the policy wordings behind them became 25 points of cover. They stand here line by line, with the source, including where somebody else comes out ahead.
What is compared is what each policy wording says, not what advertising promises. Where no reliable source was available to us for a provider, the table says “Not examined” instead of a guess; those lines count neither for nor against us in the scoreboard.
How the scoreboard looks against each provider
| Provider | NAMMERT better | Level | Provider better | Not scored |
|---|---|---|---|---|
| Bavaria AG | 17 | 5 | 0 | 3 |
| Helvetia | 17 | 6 | 0 | 2 |
| HKVA | 13 | 6 | 1 | 5 |
| Pantaenius | 0 | 0 | 0 | 25 |
| Schomacker | 17 | 5 | 0 | 3 |
What is counted is the benefit to the customer, not the number of words in the wording. Every line of the table below is one of these judgements.
met partly met not met
Every line of the survey with its source, plus the premiums of all six providers, is set out in German: the full jetski comparison.
Racing is a separate question
Plainly said
Club events, freeride competitions and closed course racing are excluded in a standard jetski policy, ours included. From Basis-Plus racing cover can be added to the policy, with a valid racing licence, but it has to be agreed before the first start, not after the first incident.
If you never race, say so and the premium reflects it. If you do, tell us the series: the difference between a club fun run and a national championship matters more than the machine.
You are not on your own
Already out on the water with NAMMERT
On a motosurf board, in a jet ski team, on a sailing boat out at sea:
athletes are already racing with the NAMMERT logo.
From 2027 the ranking turns that into points, and the entry fee comes back.
Before you buy
What we need for a quote
Model, year of build, purchase price or current value, where it is kept and whether you ride on inland waters, the Baltic or the Mediterranean.
The three questions you actually have
Before you sign
Not “what does it cost” for your jetski; you can work that out yourself in a minute. These are the three nobody asks an insurer out loud. Here they are, with the answers we can back up.
“Will they actually pay?”
As your broker we handle the claim with you, your jetski included: one report to us, then we arrange the surveyor and one of more than 2,000 partner yards and follow it through to payment. The yard invoices directly; you pay the deductible and nothing else.
What happens in the first 48 hours →“Who picks up the phone?”
A family firm since 1989, now in its second generation, with three of its own offices: Königs Wusterhausen near Berlin, Salzburg and Palma de Mallorca. No call centre, no franchise. You get a named contact for your jetski from the first hour; and after office hours, a number somebody answers.
Out of hours: +49 3375 29 28 95 →“And if I choose wrong?”
Find the same cover for your jetski cheaper elsewhere and we make up the difference. Our comparison sets seven providers against the same criteria; including the segments where somebody else comes out ahead of us, and the one where we are the most expensive in the field.
Price guarantee →When we are not the right fit →Which language is the policy wording in?
Frequently asked
Questions and answers
What does jetski insurance cost?
Liability from 99 euros a year, partial cover from 169 euros, full cover from 219 euros.
From Basis-Plus we insure to an agreed value rather than a depreciation scale,
with no hours limit and no requirement for an approved immobiliser,
and liability up to 50 million euros in Premium.
Premium also removes the night clause.
Is an immobiliser required?
It is not prescribed by law but it is frequently required by the policy.
A jetski on a trailer is easy to take away,
so wordings regularly tie theft cover to security devices.
What your contract requires is set out in the wording, and the settlement follows it.
Where am I allowed to ride?
Only on stretches that are expressly released, and often only within fixed hours.
The rules come from the authorities and the local water byelaws, not from the dealer.
On many inland lakes the use of a jetski is prohibited altogether.
How high is the deductible for a jetski?
For hull cover on a jetski you agree 500 or 1,000 euros, nothing more;
there are no hidden extra deductions and no scales by type of loss.
On a jetski the deductible applies in every tariff, including total loss and theft,
and is never halved.
In Premium it doubles for theft if the jetski was not kept locked away or on enclosed premises.
Are my own handling errors covered on a jetski?
With full cover, yes: grounding, collision and handling errors with a jetski are claims.
Even in cases of gross negligence the insurer waives its defence,
up to 25 percent of the sum insured in Basis PLUS and up to 50 percent in Premium, unless theft,
alcohol or drugs caused the loss.
Only intent is always excluded, and partial cover does not carry your own errors.
Are storm, theft and vandalism covered on a jetski?
Storm, fire and theft of the whole jetski are covered already under partial cover,
sinking and wilful damage under full cover from Basis-Plus,
in winter storage and on the trailer too.
For theft the securing rule counts:
in Basis and Basis PLUS the jetski must be secured at night between 22:00 and 08:00 and whenever
you are away for longer, in Premium only during longer absences.
An immobiliser is not compulsory.
New value or current value: what is paid for a jetski on a total loss?
In Premium the agreed value, the amount you and the insurer fixed when the policy started,
with no deduction for the age of the jetski and no argument after the loss.
In Basis-Plus the same applies up to five years of age,
or later while the current value still reaches half the sum insured, once replacement is shown;
otherwise the current value is paid.
In Basis, the partial cover, the current value is paid,
meaning what the jetski was worth immediately before the loss,
less a scaled age deduction after three years.
Does the cover apply to a jetski abroad?
Yes, within the cruising area stated in the policy and on the way there on the trailer or roof
rack.
For a jetski that is usually Europe including the Mediterranean, worldwide on request.
Premium covers six weeks a year outside the agreed area, the other tariffs only by prior agreement.
Italy, Spain, Croatia (from 15 kW), Greece,
Denmark and Swiss waters require liability cover by law.
Is insurance for a jetski required by law?
Not in Germany.
Italy, Spain, Croatia (from 15 kW), Greece, Denmark and Swiss waters require liability cover,
and proof is checked at many beaches and slipways.
Private liability insurance does not normally cover a jetski,
so you need the separate policy anyway.
Questions from owners
Your question: Jetski insurance
No question has been answered on this page yet. The first one goes here.
Answers come from us, not from other readers.
Thank you, we have your question.
The answer comes by email and, if you agreed, appears here as well.
For the Owner's Letter, please confirm the link in our email.
Is it about your own policy or a claim? Please call: +49 3375 29 12 77
Slow ride, big wave.
Cheaper elsewhere? We pay the difference.
Find the same cover for a lower premium somewhere else and we make up the difference, for the term of the policy, up to one year. Read the guarantee and its limits
Or call us now: +49 3375 29 12 77