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Personal Watercraft Insurance – Compare Cheap Quotes

Whether you own a Kawasaki Jet Ski, a Bombardier Sea-Doo, a Honda AquaTrax or a Yamaha WaveRunner, if you plan to take your personal watercraft out on inland waterways in the UK you’ll usually have to take out personal watercraft insurance first.

Of course, even if you don’t need insurance and a waterways licence where you plan to ride your PWC, this type of insurance is still a wise idea. Not only could it help protect you from liability claims if you damage another vessel or injure another boater, but if you have a comprehensive policy it could also cover the cost of repairing or replacing your own personal water craft.

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How much does it cost to insure a personal watercraft?

It’s difficult to predict how much insurance providers are likely to charge you for personal watercraft insurance, because they usually take a wide range of risk factors into consideration when they are calculating the premium. For instance, the type of PWC you own, its estimated market value, its make and model, the year it was built, the type of engine it has, where you store it and where you normally sail it can all affect the cost of insuring your personal watercraft.

The best plan is to use our price comparison service to compare PWC insurance quotes from a range of different insurance companies, and then go with the one that offers the best personal watercraft insurance policy at the best possible price.

What’s the minimum level of insurance cover I need to insure my personal watercraft?

If you decide to ride your personal watercraft on UK inland waterways you’ll usually need a waterways licence, and before you can apply for that you will need third party only boat insurance. In most cases this type of policy will provide you with up to £1 million of third party cover.

However, as the name suggests this type of policy is designed to protect third parties when you take to the water, which means you won’t be covered for damage to your own vessel.

I’m only planning to use my personal watercraft on coastal waters though, so does that mean PWC insurance is optional?

It’s usually the case that you won’t have a legal obligation to take out personal watercraft insurance if you only ever use your jetski at sea, but personal watercraft insurance is still a sensible investment even when it isn’t mandatory.

This type of policy can help cover the cost if you crash into another vessel or damage someone’s property, and if you opt for a comprehensive policy rather than third party insurance you’ll usually be covered if your own water scooter is damaged or stolen.

Given that many water scooters are worth thousands or even tens of thousands of pounds, it really is worth taking a moment to compare personal watercraft insurance quotes – a policy might be cheaper than you think.