Cover 02
Jet ski hull insurance
Hull insurance pays for damage to your own jet ski, for a total loss and if it is stolen. The Premium tariff comes with an agreed value without any time limit: the amount in the policy is what counts.
We are an insurance broker, not an insurer. You take out the policy with the insurer we name in your quote.
Agreed value
The agreed value is the insured value
100%In the Premium tariff we agree a fixed amount when you take out the policy. That is exactly what you get after a total loss, without any time limit.
In the Premium tariff, that is what you pay your premium for: a sum that is written in the policy and that you can rely on. It is not like that everywhere.
| What it is about | With us in comprehensive cover | With the five others in the comparison |
|---|---|---|
| Total loss | Premium: the agreed value, without any time limit. Basis Plus: for the first five years, then as long as the market value is still at least half the sum insured. | 2 of 5 pay on a sliding scale: 80% from the second year, then 70%, 60% and from the fifth year only 50% of the new value. 2 of 5 pay the market value or current value. 1 of 5 has an agreed value. |
| When is the amount fixed? | When you take out the policy. It is written in your contract. | With market value, only after the loss. Before that, nobody knows what amount will come out in the end. |
| Security requirements | No compulsory immobiliser. On the trailer, a standard hitch lock or a wheel clamp is enough. | 1 of 5 requires a built-in electronic immobiliser, 1 of 5 enclosed, locked premises, 1 of 5 a security device approved by the VdS or a comparable body. |
Two questions you should ask every provider
- What do you pay after a total loss once my jet ski is five years old or older?
- Who decides after the loss what my jet ski was still worth, and where can I see that beforehand?
Every security requirement is also a point where a dispute can arise in a claim: was the immobiliser fitted, was the gate locked, was the lock approved? The fewer such conditions there are in the policy, the less stands between you and your money.
To be clear: with us, the agreed value applies without any time limit in the Premium tariff. In Basis Plus it applies as long as the jet ski is no more than five years old, and after that as long as its market value is still at least half the sum insured, otherwise the market value applies. There, proof of replacement is required in each case. With partial cover, a total loss is settled at market value.
Our own survey of policy terms and quotes from five providers on the German market, as of 1 August 2026. Our details follow the NAMMERT policy terms, as of 1 February 2026. We are happy to give you the references.
Wherever it goes
Covered where a jet ski really is
A jet ski is rarely kept in a locked hall. It is moored at a buoy, parked on a campsite or travelling on a trailer behind the car. In the Premium tariff it is covered there.
Part of the deal: if the jet ski is stolen from a place that is not enclosed and locked, the excess doubles. If you are away for longer, secure it against unauthorised use, for example with a security cable on the pontoon. In the Basis and Basis Plus tariffs it must be kept on an enclosed, locked site when on land.
NAMMERT policy terms, hull Premium, sections A-2.1 and A-10, as of 1 February 2026.
At a glance
Jet ski hull insurance: partial or comprehensive cover
Partial cover
- Fire and explosion
- Storm, lightning and earthquake
- Theft of the whole jet ski
- Winter storage
After a total loss you receive the market value, that is, the value immediately before the loss.
Comprehensive cover
- everything in partial cover
- damage you cause yourself, collision, capsizing and sinking
- vandalism
- break-in and theft of individual parts
After a total loss the agreed value applies: the amount we fix when you take out the policy. In the Premium tariff without any time limit, in Basis Plus for the first five years and after that as long as the market value is still at least half the sum insured.
As of November 2026. The policy terms and your quote are what count.
No half measures
What does not get in your way with us
On the market, an immobiliser is sometimes a condition for theft cover, and in a claim the customer has to prove it was fitted. With us, cover does not depend on it. We reward security instead of forcing it.
Racing and training can be added as an option, for liability and hull cover. You need a valid rider's licence.
Straight talk
What you should know
A jet ski mostly sits on a trailer and not in a marina. That is why, in the Premium tariff, theft is also covered when the jet ski is not on an enclosed, locked site. The excess then doubles.
In the Basis and Basis Plus tariffs a night clause applies at night. In the Premium tariff you are covered around the clock. We clarify what that means for your berth in the quote.
The premium depends on engine power, the value of the jet ski and the excess.
Pit radio
Questions about jet ski hull insurance
Do I need an immobiliser?
No. Theft cover applies with or without one. As protection against theft it is still worth having.
What do I get after a total loss?
In the Premium tariff the agreed value, that is, the amount we fixed when you took out the policy, without any time limit. In Basis Plus it applies for the first five years, then as long as the market value is still at least half the sum insured. With partial cover the market value.
Can I insure the trailer as well?
Yes, in the hull cover for an extra premium. In the liability cover it is included at no extra premium from Basis Plus upwards if it is named in the application.
What happens when I sell?
By law, the hull cover initially passes to the buyer. Please let us know straight away, and we will sort out the rest.