- Optional cover for water skis and water toys
- Up to £3m Third-Party cover
- 200 years of marine insurance experience*
- 24-hour emergency claims helpline
Jet Ski Insurance
Why choose GJW Direct for jet ski insurance?
Through GJW Direct, you can insure your jet ski for use in the UK and Europe (up to 30 days per trip), with transit and trailer cover included. You could also get a discount for summer‑only use or if you are a rider with an RYA Personal Watercraft (PWC) qualification, helping you save without compromising on protection.
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Discount for RYA PWC Qualification
Even if you’ve never owned a Jet ski or PWC before we are more than happy to insure you if you have the RYA PWC qualification, we’ll even give you a discount for having it.
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Theft Cover
We provide theft cover for your Jet ski and PWC whilst ashore even if it’s outside, no need to remove the seat or keep it in a locked building at home.
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Instant cover & access to policy documents
When taking out a policy, you can choose to be instantly covered & get access to your policy documents.
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24-hour emergency claims helpline
Get access to our 24-hour emergency claims helpline should you need to make an urgent claim or require assistance.
Specialist Jet Ski and Personal Watercraft insurance
Jet ski insurance from GJW Direct helps to protect you against the financial risks of owning and riding a jet ski or personal watercraft, including accidents, theft whilst ashore (even if it's outside), and third‑party liability up to £3m. Backed by over 200 years* of marine insurance experience, jet ski insurance through GJW Direct is specialist cover, built on proven marine expertise.
What does jet ski insurance through GJW Direct cover?
Jet Ski Insurance
- Third-party liability—up to £3m cover for you and others using your jet ski.
- Theft—covers your jet ski/PWC whilst ashore, even if it’s outside.
- Damage—fire, explosion, and impact damage, including grounding or stranding.
- European cover—includes jet ski insurance on inland coastal waters of EEA countries and Switzerland for up to 30 days per year.
- Transit—transit and trailer cover for those long journeys to your favourite locations.
- Unnamed experienced drivers—family and friends are covered if they have experience and are age 16+ (includes cover for accompanied drivers 14+).
- Legal protection—up to £100k legal expenses to pursue damages or defend criminal prosecutions.
- Water skis and water toys—liability cover for both available.
- Discount—5% discount available for installing a tracker system and 5% for having the jet ski data tagged.
- Savings for summer use only—if you’re not going to use your Jet ski or PWC from November to February we will give you a discount.
- Beaching
- Recklessness or wilful misconduct
- Wear and tear, lack of maintenance, corrosion of any kind
- Rectifying faulty design or construction
- Mechanical and electrical breakdown and/or any substance being drawn in to the propelling machinery
- Racing, speed trials or tests, stunt riding, tricks or white-water navigation.
For more cover details, check out our important documents page.
Meet our jet ski insurance expert
"With 46% of claims in 2025 relating to damage, many caused by heavy weather and storms, it’s worth considering secure storage for your jet ski to help reduce the risk of weather‑related damage. Plus, if you store your PWC over winter and let us know, you can benefit from a winter lay‑up discount on your premium."
Karen Wallis
Underwriter and Team Leader
Refer your friends and you’ll both be rewarded
Refer your friends to GJW Direct and you'll both get a voucher from one of six retailers when they take out a policy with us.
Why consider jet ski insurance?
Hitting the water on your jet ski can be both fun and thrilling is the perfect escape from everyday life. But if the unexpected happens, the cost of repairing or replacing your jet ski or PWC could be overwhelming.
For instance, if your jet ski is vandalised while ashore or you’re found at fault for an accident on the water, jet ski insurance could provide financial protection.
Specialist jet ski insurance through GJW Direct can take your peace of mind to a new level, helping you truly relax and enjoy every ride.
How much does jet ski insurance cost?
Several factors can influence how much you’ll pay for a jet ski insurance policy, including your claims history, the make and model of your jet ski, and how and where you use it.
You may be able to reduce your premium at GJW Direct if you:
- have a RYA PWC qualification
- have a tracker system installed
- have your jet ski data tagged
- select summer use only
Get an instant online quote to find out the cost of your jet ski insurance policy through GJW Direct.
Jet ski insurance FAQs
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Although there is currently no legal requirement for a PWC/Jet Ski rider to have insurance, local byelaws may require otherwise. Most launch sites will ask for third-party liability insurance.
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A Personal Watercraft (PWC), also known as a Jet Ski, is a water jet driven craft designed to carry between one and four people. Compared to speedboats and powercraft, PWCs are easier to launch, recover, and store, offering riders a closer connection to the water through their directional water jet propulsion.
- 1-seaters—sporty and fast, ideal for solo riders.
- 2-seaters—more stable than 1-seaters and easier to board, but unsuitable for towing due to limited space.
- 3- or 4-seaters—family-friendly, stable, and versatile, though heavier and harder to launch.
All types are covered under GJW Direct’s jet ski insurance policy, which you can get a quote for here.
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In the UK, there are tons of launch sites and slipways along the coast where you can launch your jet ski. It’s always a good idea to check the rules at local harbour offices or councils if you’re unsure of where to launch.
Check out our guide to the best jet ski locations in the UK for inspiration when planning your next trip.
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Jet ski insurance through GJW Direct covers your craft in EEA countries and Switzerland for up to 30 days per trip.
EEA countries are Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, UK.
If you use your jet ski in either Italy, Spain, or Greece, you should contact us first so we may issue you with the certificate of compulsory insurance for those countries.
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No, you aren’t legally required to have a licence for recreational use of a jet ski in UK waters. However, you do need a licence from the Jet Sport Racing Association of Great Britain (JRSA) if you want to partake in jet ski racing.
Partnering with the RNLI
Since 2018, we've partnered with the RNLI to aid their target of halving preventable coastal drownings by 2024. By sharing important safety information with our customers, we've raised over £258,000.
Discover our partner discounts
As a GJW direct customer, you’ll get access to a large selection of discounts. Explore the list of brands we work with.
Jet ski news & guides
*GJW Direct has been arranging marine insurance since 1826
