Cover 04
Jet ski accident insurance
Accident insurance pays a fixed sum for permanent disability or death after a jet ski accident, no matter who was at fault.
We are an insurance broker, not an insurer. You take out the policy with the insurer we name in your quote.
Why
This is about your own body
A jet ski is fast, agile and it jumps. That is exactly the thrill, and exactly why a fall hurts: at 80 km/h, water is hard. Tight turns, waves, jumps and the passenger who underestimates the acceleration.
Liability insurance pays for damage you cause to others. Hull insurance pays for the jet ski. Neither pays for your own injury, and after a riding error with nobody else to blame, nobody else is liable either. Jet ski accident insurance closes this gap.
Benefit scale
What percentage is paid for what
If an accident leaves permanent damage, you receive a fixed share of the agreed sum. The benefit scale sets out what that share is. The figures apply to loss or complete loss of function.
| Body part or sense | Share |
|---|---|
| Arm | 70% |
| Hand at the wrist | 55% |
| Thumb | 20% |
| Index finger | 10% |
| Leg above mid-thigh | 70% |
| Leg up to below the knee | 50% |
| Foot with ankle | 40% |
| Eye | 50% |
| Hearing in one ear | 30% |
| Voice | 70% |
An example: €100,000 is agreed for you personally. After a fall, your hand is permanently unusable. That is 55%, so €55,000. If the hand is half impaired, you receive half of that.
Extract from the benefit scale in the accident policy terms, section A-2.1.2.2.1, as of 1 February 2026. For anything not listed there, what counts is how far physical or mental capacity is permanently impaired.
On top
Helmet bonus: 25% more
+25%If you choose to ride with a helmet and still suffer a head injury, you receive 25% more for that disability.
The helmet bonus applies to the rider of the jet ski who can be shown to have worn a standard commercial helmet. Depending on the tariff, the upper limit is €10,000, €25,000 or €50,000.
Who is covered
Whoever sits behind you, too
- In the Premium tariff, all authorised passengers are covered: you, your crew and your guests.
- In the Basis Plus tariff, you as the owner and your first-degree relatives are covered.
- You choose the disability sum, up to €500,000.
- Cover applies worldwide.
Good to know: the agreed sum applies to everyone together. If two people are on the jet ski at the time of the accident, each is covered for half. So choose a sum that is still enough for two.
At a glance
What jet ski accident cover does
If you are wearing a helmet in an accident, you receive a higher benefit. We ride ourselves and know why that matters.
As of November 2026. The policy terms and your quote are what count.
Good to know
Leisure time is not covered by statutory insurance
In Germany, statutory accident insurance protects you at work, at school and at nursery. It does not apply on the water in your leisure time.
In detail
What else is included
- From the Basis Plus tariff upwards, damage to health caused by drowning and suffocation is also covered.
- From the Basis Plus tariff upwards, accident cover pays the cost of cosmetic surgery after an accident.