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Jet Ski Insurance
Jet ski insurance for accidents at sea, damage, fire, theft and personal liability.
- Personal accident cover included as standard
- UK-based support for claims, renewals and queries
- Get a £40 Amazon voucher when you buy a new policy over £250*
*Terms & Conditions - £40 Amazon Voucher offer
*A £40 Amazon voucher is available to new customers who purchase a boat insurance policy online where no code is needed or over the phone and quote the code AMAZON40. This offer is subject to an annual price of £250 (including insurance premium tax at 12% and our customer service charge) or above and cannot be used in conjunction with any other offers or discounts. In addition, it is not available on the Towergate Active product for small craft where the annual price paid is under £250. Cover is subject to your individual circumstances and our eligibility criteria. The voucher will be issued to you by email after 30 days on cover. If you cancel before you have been on cover for 30 days, you will not be eligible for the offer. Offer expires on 31/12/2025 but can be withdrawn or amended at any time if it is necessary to do so. Policies purchased after this date will not be eligible for the offer. There is no cash alternative available, and we reserve the right to substitute a reasonably equivalent alternative, of equal value, should circumstances make this necessary.
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Why choose jet ski insurance with Towergate?
Third party liability included as standard
Some marinas, harbours and mooring/launching areas require you to have third-party insurance as a minimum.
Cover whilst in transit
Cover for your jet ski when transporting it.
Peace of mind while jet skiing
Enjoy your experience knowing you are covered if you cause injury or damage.
Flexible jet ski insurance
Cover tailored to your lifestyle and needs
About jet ski insurance
Jet ski cover
Cover provided for accidents on the water, fire damage, theft, personal liability (for damage or injury you cause to others); and damage through malicious acts. However, we will not cover loss or damage to or failure of machinery caused solely by the breakdown, failure or derangement of a component part.
Legal cover
An optional add on for legal cover is available, it covers your legal costs of up to £100,000 for incidents directly connected with the craft whilst the policy is in force and provides cover for legal help and advice when pursuing claims for uninsured losses relating to incidents involving your craft and / or personal injury sustained whilst using your craft. We won’t cover events that started before the policy began.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0808 196 2407
- Provide photos if requested to help us understand what happened as quickly as we can.
Jet ski insurance FAQs
RYA courses – If you have completed the PWC courses with the RYA, we’ll give you a discount on your insurance policy to reward your freshly gained expertise.
Excess – Though there is a standard excess of £220 applicable for the majority of claims on our jet ski policy, in most cases you are able to choose a lower or higher excess depending on your personal preference. A higher excess may decrease the overall premium and a lower excess may increase the premium but will of course mean less to pay out if you need to claim.
You do not need a licence to jet ski in the UK. Likewise, there is no legal requirement to have jet ski insurance in place if you head out on the water in the UK. Though not a requirement, there are many reasons why taking up insurance could benefit you.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
If you fancy hitching up a trailer and taking your jet ski to sunny Europe then you’re in luck. Policy cover provides 30 days of cover at any one time for PWCs on European shores. Just make sure you check your policy wording for exclusions before you travel.
Yes, we cover your jet ski in transit too. We suggest you are extra careful when transporting your jet ski from A-B. Their value can make them quite desirable to thieves and so there are extra precautions we ask you to take whilst transporting your jet ski. Please ensure that when left unattended that a hitch lock or a wheel clamp is fitted to the trailer to prevent theft.
To make sure a trailer is secure whilst carrying your jet ski, we ask you to ensure that a wheel clamp, and a hardened steel chain or multi-strand stainless steel wire cable, is fitted to the trailer whilst it is unattended. Not only does it help to deter theft of your jet ski and trailer, it also means your insurance will l be valid if the craft is stolen.
Anyone under the age of 21 needs to be agreed by us on a case by case basis. This is usually dependent on age, experience and relevant qualifications, such as the Personal Watercraft Course (PWC). Please call us if you wish to insure anyone in this age group to ensure that we have all the details.
Provided you have no more than two people being towed at a time, we can cover a number of different water toys and types of water skier; you just need to let us know to add the cover for you. We cannot cover toys such as banana boats and air chairs for towing, or hydrofoil-type devices. Please see your policy wording for a full list of exclusions.
No, we do not cover jet skis that are used for racing.
No.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
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