Overview
Jet ski insurance comparison
Which type of cover is for what, and which questions really matter before you sign.
We are an insurance broker, not an insurer. You take out the policy with the insurer we name in your quote.
The types of cover
What jet ski insurance is there?
| Cover | Pays for | Premium for residents of Germany |
|---|---|---|
| Liability | Damage you cause to others | from €99 a year |
| Hull | Damage to your own jet ski, total loss, theft | from €169 a year |
| Legal expenses | Lawyer and court | from €69 a year |
| Accident | Your own injury | in the quote |
As of November 2026. The policy terms and your quote are what count.
The proof
Jet ski insurance comparison: five providers
A jet ski is not a boat. It does not sit in a marina all year, it sits on a trailer: outside the house, by the lake, on holiday. That is why different clauses matter for a jet ski than for a boat. We put the policy terms and quotes of five providers on the German market side by side.
| What it is about | With us | With the five others |
|---|---|---|
| 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 only 50% of the new value from the fifth year, 2 of 5 pay the market value or current value. 1 of 5 has an agreed value. |
| Immobiliser | Not compulsory, in any tariff | 1 of 5 requires a built-in electronic immobiliser, and the customer has to prove it. |
| Where it is parked | In the Premium tariff covered even without a fence and without a locked building, with double the excess | 1 of 5 pays for theft only if the jet ski was at least on enclosed, locked premises. |
| Lock on the trailer | A standard hitch lock or wheel clamp is enough | 1 of 5 requires a security device approved by the VdS or a comparable body. |
| Individual parts stolen | Covered in comprehensive hull cover, for permanently fitted parts | 1 of 5 excludes theft of individual items, 1 of 5 pays only for aggravated theft involving force. |
| Racing and training | Can be added as an option | 2 of 5 exclude racing and training, 2 of 5 exclude them in part. |
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.
Four questions
What to look out for when comparing
- Does the hull cover pay for any damage to your own jet ski or only for certain events?
- After a total loss, does the agreed amount apply or a value worked out later?
- Is there a limit on speed or operating hours?
- What conditions does the policy set for theft, for example an immobiliser?
Our answers: agreed value without any time limit in the Premium tariff, no fixed speed limit and no compulsory immobiliser.
Pit radio
What else owners ask
Is there a seasonal policy?
Yes. You then insure the jet ski only for the riding season. Important: outside the season, from 1 November to 31 March, there is no cover, not even in winter storage.
Is the trailer covered too?
In the liability cover at no extra premium from the Basis Plus tariff upwards, if it is named in the application. We add it to the hull cover for an extra premium.
May I rent out the jet ski?
We agree private rental for up to 30 days per insurance year in the policy, with a written rental agreement. For commercial rental there are separate policies for each craft.
The jet ski is sold, what now?
By law, the hull cover initially passes to the buyer, and the liability cover ends. Please report the sale to us immediately.
Are races covered?
With the racing and training option, yes, in liability and hull cover. The tariff level alone is not enough.
Hull
Partial or comprehensive hull cover compared
Partial cover includes fire, explosion, storm, lightning, earthquake, theft of the whole jet ski and winter storage. You receive the market value.
Damage you cause yourself, collision, vandalism and theft of individual parts are only covered by comprehensive cover. Those are exactly the cases reported most often for jet skis. After a total loss, the agreed value applies without any time limit in the Premium tariff. In Basis Plus it applies for the first five years and after that as long as the market value is still at least half the sum insured.
Season
Jet ski seasonal policy
You can also insure your jet ski for the riding season only. The seasonal policy costs less but has a clear limit: from 1 November to 31 March there is no cover, not in winter storage and not for theft either.
Trailer
Jet ski trailer insurance
State the value of your trailer in the application. From the Basis Plus tariff upwards it is then included in the liability cover at no extra premium, even when uncoupled and while manoeuvring. We add it to the hull cover for an extra premium. So you do not need a second policy.
Abroad
Jet ski insurance abroad
Italy and Spain require liability insurance for every motorised watercraft, Croatia from 15 kW. If you head for the Adriatic, you need the proof there just to launch.