Jet Ski Insurance

Jet Ski insurance because who wouldn't want to be propelled by a jet engine?

  • You’re with us, so from quote to claim it’s us you’ll speak to
  • Discounts for no claims, RYA course and approved club membership
  • If your jet ski is CE registered, we cover any horse power and any speed

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We cover PWCs, that’s jet skis and other similar types of watercraft, here’s what you get:

Choose Bronze, Silver or Gold cover levels

So that you don’t pay for extras you don’t need we have three levels of cover. In a nut shell the cover is summarised as so. Bronze cover - third party only for your liabilities. Silver cover - Bronze cover plus fire, lightning, explosion, theft, malicious damage or vandalism, weather events and freezing of machinery and Gold cover - Silver cover plus loss or damage caused by accidental means. We do not cover stand up jet skis under any circumstances. You can check out our table of cover for a visual comparison.

Public liability

All three of our jet ski insurance policies include public liability cover, in case you damage or injure other people or their property. If you were travelling too quickly in a congested area and were to crash into a jetty, public liability cover insures you up to £3 million for the repair of said jetty. This won’t extend to repairs on your jet ski but never fear, our Gold level insurance includes accidental damage cover too.

Theft from home or away

At your storage location and while in transit, Silver and Gold policies cover theft provided you take some simple precautions. We recommend storing your jet ski in a locked building but can sometimes cover alternative locations if you ask us. Importantly, we will not cover for jet skis stolen whilst afloat and unattended so be cautious. In transit we ask for a wheel clamp or hitch lock to be fitted to the trailer when unattended but if theft still occurs and you’ve included both on your policy, we will reimburse you for your trailer and jet ski too.

Personal Accident

It’s not a nice thought but you can be sure we will cover death or injury to you, or your family if something should happen. We do ask that you wear a kill cord at all times, this is essential for your safety but also to keep your insurance valid. This is optional on our Silver and Gold policies and can be added for just £5.

We like to make it easy for you to choose the right personal watercraft insurance policy. Compare our levels of cover in a glance using this handy table.

  Bronze Silver Gold Platinum
Discounts for club membership and relevant qualifications
Discounts available if you have another craft insured with us
No Claim Discount (up to 25%)

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Jet Ski Insurance Claims

We want to make sure that your claim is dealt with the utmost care so you can get back out on the water with confidence as soon as possible. That’s why our claims team are in the same office as the rest of our boat teams, all under one roof, so you’re not passed from pillar to post.

Photographs of any damage will help your claim along too so try to grab a few snaps to send us.

All you need to do to get the ball rolling is call us on:

0344 892 1320

Lines are open Monday to Friday, 9am-5pm.

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Common Jet Ski injuries

The thrill of speeding through the water on a Jet Ski or PWC (personal water craft), bouncing over the waves with droplets of sea spray tickling your face can’t be beaten. They run at up to 65 miles per hour, yet regulation around the use of jet skis is fairly loose. In this article we explore common Jet Ski injuries and safety precautions to help you avoid injury and enjoy the ride.

Jet Ski Insurance FAQs

What security do I need to cover my trailer in transit?

We either require a hitch lock or a wheel clamp to be fitted to a trailer if it is left unattended while towing your jet ski. We also ask that a hardened steal chain is fitted to the jet ski at all times to keep it secured to the trailer. If you would like to insure the trailer itself you can do so, just add the value of the trailer to your total sum insured.

How old do I have to be to insure a jet ski?

We can insure those under the age of 18 on our jet ski insurance policy but there are some stipulations. Those aged between 14 and 21 must be named on the policy as an additional driver and have a RYA JET SKI course qualification.

Please call us if you wish to insure anyone with in this age group, to make sure we have all details.

Can you cover water toys and towing?

Provided you have no more than 2 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 and we generally exclude more than 2 people to be towed at any one time.

Can I add racing cover for my jet ski?

We do not cover jet skis that are used for racing, it’s a risky business so be careful.

Can I pay in instalments?

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

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