Most of us only ever spend time on a jet ski off the coast of the Costa del Sol, but if it is a keen hobby, its possible you have your own jet ski. However, if you want to enjoy your jet ski to its full potential, it is highly recommended that you take out a comprehensive jet ski insurance policy.

Jet skis are quite expensive to begin with so your main reasoning for obtaining insurance cover would be to ensure that you are fully protected financially, and dont end up being personally liable for covering the costs of any damaged or stolen property. If you and your jet ski are involved in an accident, costs to replace or repair the vehicle could leave you out of pocket.

Another reason to consider obtaining jet ski insurance is the potential damage to other people, whether your passenger or someone else. Third party insurance should be the absolute minimum level of cover you look to gain, but it is strongly advised to look for higher levels of protection if possible. Most insurance providers can offer you additional cover such as personal accident cover, and include it into your jet ski insurance package.

If you only use your jet ski on UK waters, a standard policy should suit you as these typically provide cover for up to 12 miles offshore, but it is extremely important that you check where you are protected with your insurance provider. If you regularly take your jet ski abroad, your UK policy will not provide adequate cover so it is important that you seek European or International insurance when on holiday.

As with many other types of insurance, there are always exclusions and these could include:
Damage caused by negligent handling
Drivers under the age of 21
Inflatable towing devices

If you are looking to lower the cost of your jet ski insurance, you can compare quotes online and then contact providers directly to agree a deal, and if you have a RYA PCW certificate you can expect to receive certain discounts.