Jet ski insurance
Jet ski insurance quotes from licensed Australian brokers
Personal watercraft are fast, close to other people and easy to steal off a trailer. Get quotes from brokers who cover all three exposures properly.
- Licensed Australian brokers
- Free to use
- No obligation
Personal watercraft carry an unusual combination of risks. They are quick, they operate in crowded water close to swimmers and other vessels, and they sit on a trailer that can be hitched up and driven away. The liability side is the one owners tend to underestimate. A collision with another rider or a swimmer can create a claim far larger than the ski is worth. CoverMy is free to use. Tell us about the ski and how you use it, and licensed Australian brokers come back with options.
What jet ski cover usually includes
Cover is typically comprehensive across the whole life of the ski rather than only while it is in the water, which matters because a lot of claims happen elsewhere. The liability section is the part worth reading closely.
- Accidental damage, fire, theft and sinking
- Cover on the water, on the trailer and in storage
- Legal liability to other people, vessels and property
- The trailer itself on many policies
- Safety equipment and accessories, usually to a stated limit
- Salvage and recovery costs
Theft is the claim owners see most
A ski on a trailer in a driveway is a straightforward target, and theft claims are common enough that insurers ask about storage in detail. A locked garage or a secure storage facility will usually price better than a driveway or the street. Some insurers require a hitch lock or wheel clamp as a condition of theft cover, particularly on newer skis. Check whether that condition applies to your policy, because failing a security condition is a difficult conversation after the fact.
Registration, licensing and where you can ride
Personal watercraft are registered and their operators licensed under state and territory law, and the rules differ noticeably between jurisdictions. There are also local restrictions on where PWCs can be ridden and at what speed, particularly near shore and in enclosed waterways. Insurers expect the ski to be registered and the rider licensed for the waters being used. Your policy will also carry navigation limits, so if you are trailering the ski interstate for a trip, mention it.
What affects your premium
Value and engine power lead, then rider age and experience. Younger and less experienced riders cost more, and some insurers will not cover riders under a certain age at all. Storage, security, claims history and the excess all feed in. If the ski is used for towing skiers or wakeboarders, or if anyone other than the owner and family rides it regularly, disclose it. Hire and commercial use is a different product entirely.
How it works
- 1
Tell us about the ski and where it is stored
2 min form
- 2
Licensed brokers review and compete on your quote
- 3
Compare offers and choose
No obligation
Frequently asked questions
Is jet ski insurance compulsory in Australia?
Not generally for private use, though registration and an operator licence are required and the rules vary by state. Some storage facilities and clubs ask for evidence of liability cover. Most owners carry insurance because of the liability exposure rather than any legal requirement.
How much does jet ski insurance cost?
It depends on the value, the engine, the rider's age and experience, where the ski is stored and your claims history. A new high performance ski ridden by a young rider and an older ski in a locked garage sit in different brackets. A broker can come back with real figures.
Is the trailer covered?
Many policies include the trailer, and most cover the ski while it is being towed and while in storage. Liability while towing generally sits with the towing vehicle's motor policy. Ask your broker to confirm both so nothing falls between them.
What if someone else rides it?
It depends on the policy. Some cover any licensed rider with your permission, others restrict cover to named riders, and many apply an additional excess for younger riders. If friends and family ride the ski, tell the insurer up front.
Am I covered towing a skier or wakeboarder?
Often, but not always, and there may be conditions such as an observer being on board as required by the local rules. Water skiing liability is worth confirming specifically rather than assuming it sits inside the general liability section.
Does CoverMy sell the insurance?
No. CoverMy passes your request to licensed Australian brokers who contact you directly. All advice, quotes and policies come from the broker you deal with. There is no cost and no obligation.
Get jet ski insurance quotes
Tell us about the ski and licensed brokers will be in touch. Or call 1800 677 761.
Other cover you might need
This page is general information only. It does not take your situation into account and it is not a recommendation to buy any policy. Cover, limits and exclusions vary between insurers, so read the Product Disclosure Statement and Target Market Determination and refer to your broker for the full details of any policy.
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This page is general information only. It does not take your situation into account and it is not a recommendation to buy any policy. Cover, limits and exclusions vary between insurers, so read the Product Disclosure Statement and Target Market Determination and refer to your broker for the full details of any policy.
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