Cover 01
Jet ski liability insurance
Third-party liability insurance pays when you injure people or damage other people's property with your jet ski, and defends you against unjustified claims. With a sum insured of up to €50 million.
We are an insurance broker, not an insurer. You take out the policy with the insurer we name in your quote.
Sum insured
Up to 50 million euros
€50 millionfor personal injury, property damage and financial loss. The sum applies per injured person.
In our comparison, that is the highest sum. The highest sums we have documented from other providers on the German market are between €10 million and €30 million.
Why so much? Because you yourself are liable without an upper limit, and because the expensive claims with a jet ski are not dents and scratches. They are injured people.
Our own survey of policy terms, tariff sheets and quotes on the German market, as of 1 August 2026. Our figure follows the NAMMERT policy terms, as of 1 February 2026.
Why
The biggest risk is sitting behind you
Anyone who culpably causes damage to another person must make good that damage. That is what section 823 of the German Civil Code says, and it is German law. It sets no upper limit: you are liable with everything you own and everything you will earn.
Our claims files show what really gets expensive with a jet ski. A scratch on someone else's boat or a bent jetty is settled for a few thousand euros. Personal injury is not.
An example: your girlfriend is riding pillion. She falls off in a turn and is injured so badly that she can never work in her profession again.
Then it is about treatment and rehabilitation, compensation for pain and suffering, the income she will be missing until retirement, and perhaps lifelong care. Claims like these run for decades and reach into the millions. The same applies to the swimmer you overlook or the water skier on your tow rope.
- With us, the sum insured applies per injured person.
- Claims by your passengers against the rider are included from the Basis Plus tariff upwards if the rider has no personal liability insurance of their own that covers them.
- Important: under the policy terms, liability insurance does not pay for spouses and relatives who live in the same household as you. That is what jet ski accident insurance is for.
At a glance
What jet ski liability insurance does
- Damage to third parties: bathers, other people's boats, jetties and waters.
- Defence against claims that are wrongly made against you.
- From the Basis Plus tariff upwards, the trailer is included in the liability cover at no extra premium if it is named in the application.
- Private rental for up to 30 days per insurance year can be agreed in the policy. A written rental agreement is required.
- Racing and training can be added as an option.
As of November 2026. The policy terms and your quote are what count.
On the move
Compulsory abroad, asked for in Germany
In Germany there is no legal requirement. More and more marinas and the water police ask for proof all the same.
Italy and Spain require liability insurance for every motorised watercraft, Croatia from 15 kW. At many beaches and slipways the proof is checked.
Pit radio
Questions about jet ski liability
Is my trailer covered too?
In the liability cover yes, at no extra premium from the Basis Plus tariff upwards, if you name it in the application. Not in the Basis tariff. It can be added to the hull cover for an extra premium.
May I lend or rent out my jet ski?
We agree private rental for up to 30 days per insurance year in the policy. A written rental agreement is required. For commercial rental there are separate policies for each craft.
What happens if I sell the jet ski?
The liability cover ends with the sale. Please let us know, and we will adjust or end the policy.