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Jet ski insurance from Germany
Racing and training insurable, the only provider in our own survey. Agreed value, seasonal policy, liability up to €50 million.
This page is a summary in English. Policy wording and terms are issued in German and prevail in case of doubt.
What makes this different
We compared six providers for the same two machines, a 115 hp craft from 2023 and a 250 hp craft from 2026. Three findings applied to us alone: racing and training are insurable by arrangement, a seasonal policy is available, and roadside-style assistance is included in the Premium tier. All five competitors said no to each of those.
The point most owners miss is how a total loss is settled. We pay the agreed value, the sum written in the policy. Others settle at depreciated value, or on a scale that drops to 80 per cent of the new price in year two and 50 per cent from year five. On a €30,000 machine after four years that is a difference of up to €14,300.
Where we are not the cheapest
In hull cover we came fifth of six for both test craft. Schomacker settles at agreed value like we do and quoted €841.93 against our €1,169.53 for the larger machine. If the premium alone decides, you will find cheaper cover elsewhere; we say so on our German page as well.
In liability the picture reverses. Measured per million of cover we charge €5.98 against €14.16 for the best competing figure, because our sums insured run to €50 million where others stop at €6 to €30 million.
The passenger nobody insures
There is almost always someone riding pillion. If they fall and are injured, they claim against the rider, you. A standard boat liability policy covers third parties, not the claims of your own passengers against the person at the controls. Our Basis-Plus and Premium tiers close that gap; Premium also covers claims between passengers.
Towing water skis, tubes and inflatables is included, as is the trailer at no extra premium; in liability and hull cover, uncoupled and while manoeuvring.
Frequently asked questions
Is racing insurable?
Yes, by arrangement. In our own survey of six providers we were the only one to offer it; the other five exclude competition and training outright.
How is a total loss settled?
At the agreed value stated in the policy, not at depreciated value. Ask any competitor this question before you compare premiums.
Is the trailer covered?
Yes, at no extra premium in liability cover from Basis-Plus, including while uncoupled and manoeuvring. One provider in our survey charged €23.80 extra for this.
Is there a discount for a tracker?
Ten per cent off hull cover for a fitted GPS or Bluetooth tracker. Please make sure the device has a backup power supply; thieves look for trackers and disconnect them.
NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, Germany, phone +49 3375 / 29 12 77, claims +49 3375 / 566 75 05, info@nammert.com. We serve owners in Germany, Austria and Spain; your berth may be anywhere in the world.
Read on
Boat insurance from Germany
Liability from approx. €39 a year, limited hull cover from €199, comprehensive from €219; underwritten and settled by us, policy the same day.
Third-party liability for boats
From approx. €39 a year with €10m to €50m cover; worldwide, including skipper liability, trailer, dinghy, marina damage and pollution.
Hull cover for boats and yachts
Limited hull cover from €199, comprehensive from €219, at replacement value with an agreed value clause and no new-for-old deductions.
Yacht insurance
Unlimited agreed value, €50m liability and pollution cover, machinery all-risks, yacht assistance with a 24/7 hotline, and a bail loan up to €200,000 under premium liability or legal expenses cover.
Catamaran insurance from Germany
A 12-metre catamaran has two hulls, two drives, two rudders. Rating it by length alone underinsures it, we rate the real exposure.
Houseboat insurance from Germany
No maintenance clauses, no radius limit around the berth, waiver of the gross negligence defence up to 50 per cent; and we are the most expensive provider in our own survey.
Blue-water and long-distance cover
Genuinely worldwide, no hurricane or cyclone exclusion clauses, single-handed sailing and unwatched anchoring covered, berth anywhere in the world.
Compare our tariffs
Basis, Basis-Plus and Premium differ in sums insured, agreed value, gross negligence, salvage limits, the liability bail loan and assistance. Legal expenses cover carries its €200,000 bail loan in all three levels.
Switching to NAMMERT
We cancel your old policy free of charge, you start at the highest no-claims discount of 40 per cent and you pay only once the old contract has expired, plus a permanent switching discount.
Making a claim
Our own claims department, fixed surveyors, around 2,000 partner yards worldwide; settled within 48 hours once the file is complete.
Contact and advice
Phone +49 3375 / 29 12 77 for quotes and contracts, +49 3375 / 566 75 05 for claims, or write to info@nammert.com.
NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, Germany, phone +49 3375 / 29 12 77, claims +49 3375 / 566 75 05, info@nammert.com. We serve owners in Germany, Austria and Spain; your berth may be anywhere in the world.