Cover 03
Jet ski legal expenses insurance
Legal expenses insurance covers the cost of lawyer and court when there is a dispute around your jet ski. And on the water that happens faster than many people think.
We are an insurance broker, not an insurer. You take out the policy with the insurer we name in your quote.
Why
On the water, things get expensive fast
Jet ski riders are being watched. In Germany the water police measure your speed, and they look closely at how you ride. We hear two accusations again and again.
Fines in Germany
What every km/h too many costs in Germany
€225Standard fine on inland waterways in Germany if you are more than 6 km/h too fast. On German roads, 7 km/h too fast in a built-up area costs €30.
| Over the limit by | Inland waterway in Germany | Maritime waterway in Germany | Road in Germany, built-up area |
|---|---|---|---|
| up to 3 km/h | €35 or €100 | €35 or €100 | €30 |
| over 3 up to 6 km/h | €55 or €150 | €55 or €150 | €30 |
| over 6 km/h | €225 | €175 to €500 | €30 up to 10 km/h |
The smaller amount in each case is the warning fine, the larger one the regulatory fine. On German roads outside built-up areas, up to 10 km/h too fast costs as little as €20.
And if you do not ride in a straight line
| Accusation in Germany | Warning fine | Regulatory fine |
|---|---|---|
| Jet ski outside designated areas, inland | €55 | €150 to €250 |
| Endangering others while doing so | €150 to €300 | |
| Breach of the jet ski rules at sea | €35 | €100 |
| Alcohol from 0.5 per mille, at sea | €750 to €2,500 |
No insurance pays the fine itself. Jet ski legal expenses insurance bears the cost of lawyer and proceedings when you defend yourself against an accusation. Often it is one person's word against another's: were you riding figures or just dodging a wave?
Sources, all German law: catalogue of fines and warning fines for inland and maritime waterways (Buß- und Verwarnungsgeldkatalog Binnen- und Seeschifffahrtsstraßen) of the Federal Waterways and Shipping Administration, as of 1 June 2023, serial nos. 22.304110 to 22.304130, 33.137100 to 33.137300, 25.401000, 25.402100, 33.145000, 33.103000. Road: German Catalogue of Fines Regulation (Bußgeldkatalog-Verordnung) in the version in force since 9 November 2021. Waters under the authority of the German federal states and other countries have their own rates.
At a glance
What jet ski legal expenses cover is for
- You want to enforce your own claim for damages after an accident.
- You receive a fine, for example for speeding, and want to contest it.
- Proceedings are brought against you after an incident on the water.
- You are in dispute with a dealer or workshop over a purchase or repair.
As of November 2026. The policy terms and your quote are what count.
In the game
Try it out
The bay on the home page has a swimming zone. Ride too fast there and the speed trap gets you. That is exactly the kind of case legal expenses cover is meant for.
In detail
Types of cover included
- Legal protection for damages claims: you enforce your own claims, for example after an accident. Here the sum insured is unlimited.
- Administrative legal protection in traffic matters.
- Legal protection in criminal and regulatory offence matters, for example after a speeding fine.
- Legal advice by phone: initial advice from a licensed lawyer.
- Legal protection in contract and property law from the Basis Plus tariff upwards, for example in disputes arising from purchase and repair contracts for the jet ski.
On the move
Where jet ski legal expenses cover applies
Cover applies in Europe, in the countries bordering the Mediterranean, on the Canary Islands, on the Azores and on Madeira.
As a jet pilot you can quickly find yourself in a legal dispute: a collision in the marina, a penalty notice from your holiday, a repair that does not last. Jet ski legal expenses insurance then takes the cost risk off your shoulders.