Women on Blue jetski going fast over water

Personal Watercraft and Jet Ski Insurance

Whatever the weather, we have you covered with our fully comprehensive Jet Ski insurance.

Having specialised in Marine Insurance for over 195 years GJW Direct can provide you with the perfect cover for your Jet Ski with instant quotes available online. Our self-service portal allows you to manage your policy online 24 hours a day, 7 days a week, 365 days a year. Alternatively, you can speak to a member of our friendly team. With a vast range of boat insurance options to suit all needs, when you insure your Jet Ski with us you’re in safe hands. 

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RYA PWC Discount

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.

Theft Cover

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.

0 Percent Finance (1)

0% Finance

GJW Direct offer interest free annual payment plans on direct debit policies over £100. With a small deposit the remaining cost can be spread over 10 interest free instalments.

  • 5% discount available for tracker system and 5% for data tags
  • Water skis and water toys liability available
  • Transit and trailer cover
  • Fully comprehensive policy
  • Cover included for unnamed experienced drivers
  • Cover for accompanied drivers 14+
  • Inland coastal waters of EEA countries for up to 30 days per year
  • Savings for summer only use
  • No excess for claims where a third party is found liable
  • Third party liability £3,000,000
  • Legal protection cover (optional)
  • Cover for experienced drivers 16+
  • 24 hour emergency claims helpline
  • Simple online claims procedure
  • Rapid claims settlement
  • Excellent financial security
  • Friendly personal service
  • Exclusive discounts from a range of recognised marine brands via MyBoat
  • 24 hour access to all of your policies and documentation in your online account

Features are subject to restrictions. Please see policy wording for full details.

For more information about the features of our GJW Direct Insurance, please refer to the relevant policy document.

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What GJW Direct customers think


Great service at a very reasonable price. Have already recommended GJW to a few mates who have taken out insurance with them.


I have had several contacts with GJW over recent years. I have always found their response to enquiries efficient, polite and helpful. You also get to talk to someone quite quickly and you get an informed response. A pleasure to deal with.


Great service, no squabbles, get the kids back on the water. Thanks


Karen was more than helpful, lovely to deal with and made me feel like a valued client. Very happy.

What does our Personal Watercraft & Jet Ski policy cover?

  • Discount for RYA PWC Qualification

    Even if you’ve never owned a Jet ski 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.

  • Theft Cover

    We provide theft cover for your Jet ski/PWC whilst ashore even if it’s outside, so there is no need to remove the seat or keep it in a locked building at home.

  • 0% Finance

    GJW Direct offer interest free annual payment plans on direct debit policies over £100. With a small deposit the remaining cost can be spread over 10 interest free instalments.

  • Fully comprehensive policy

    We offer a fully comprehensive insurance policy to protect your Jetski or PWC up to the full value originally agreed when you take out insurance with us.

  • 5% discount available for tracker system and 5% for data tags

    If you’ve taken extra precautions such as installing a tracker or having the ski data tagged, we will give you a discount.

  • Cover included for unnamed experienced drivers

    Your family and friends can use the Jet ski/PWC with your permission as long as they have experience and you are not charging them, with no need to name them on the policy.

  • Third Party Liability £3,000,000

    We cover you and any other person using your Jet ski or PWC with your permission for legal liability to another person arising out of interest in use of your Jet ski up to a maximum of £3,000,000.

  • Excellent Financial Security

    You can trust in our Excellent Financial Security as we are authorised and regulated by the Financial Conduct Authority.

  • 30 days European (EEA) cover

    We cover your Jetski or PWC 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 Dinghy in either Italy, Spain or Greece you ought to contact us first so we may issue you with the certificate of compulsory insurance for those countries.

  • Cover for experienced drivers 16+

    As long as you are happy with the competence of the driver of the jet ski or PWC, We will cover them to drive the jetski only if they are over the age of 16.

  • Cover for accompanied drivers 14+

    We will cover drivers aged 14 and 15 as long as they are accompanied on board the Jetski or PWC by an experienced adult over the age of 25 with at least 1 year of experience.

  • Transit and Trailer Cover

    We will cover your Jetski or PWC during road transit, great for those long journeys to your favourite locations to use your Jetski or PWC.

  • Legal protection cover

    Our legal protection cover for our PWC is an optional feature that is not covered as standard. However, if you do decide you would like to include this as part of your policy, we cover your legal expenses up to £25,000 to pursue damages for injury or death or out of pocket expenses following damage to your Jet ski or PWC or for the defence of criminal prosecutions brought against you.

  • Savings for summer only use

    If you’re not going to use your Jet ski or PWC from November - February we will give you a discount.

  • Water skis and water toys liability available

    We cover liability to and of waterskiers (which includes kneeboards and wakeboards) provided that no more than two persons are being towed or preparing to be towed by the personal watercraft at any one time.

  • 24 hour emergency helpline

    Our staffed emergency claims helpline is open 24 hours a day, 365 days a year so we’re always there when you need us to offer a swift response and give sound, practical advice.

  • Friendly Personal Service

    Our specialist team who have a wealth of experience in the marine insurance industry. Talk to one our friendly team on 0151 473 8000 or get your quote online today.

  • Exclusive discounts from a range of recognised marine brands via MyBoat

    Did you know, MyBoat members who insure with GJW Direct have access to exclusive offers and discounts from a range of recognised marine brands. Unlock your discounts today - sign up to MyBoat.

  • What is a Personal Watercraft?

    A Personal Watercraft (PWC), also known as a Jet Ski, is a water jet driven craft designed to carry between one and four people. In comparison to speedboats and powercraft they are generally easier to launch, recover and store and the rider enjoys a closer relationship with the water. Propulsion comes from a directionally controlled water jet drive.

    The 1 seaters are faster and more sporty.

    The advantage of a longer seat for more than one rider is increased stability at both high and low speeds. Boarding the craft from dry-land or in deep water is also easier. However 2 seaters should not be used to tow inflatables, skiers or boarders as there is not enough room for the pilot, spotter and the person being towed.

    The 3 or 4 seater should provide enough seating for the whole family. These are more stable and easier to use. They are extremely versatile and still perform well with one person on board. You should take into consideration that these larger craft are heavy and are more difficult to launch and retrieve.

  • Short term cover options

    Only use your jet ski or PWC during the summer months? You can make savings on your monthly premium so you can enjoy riding the waves in the sun without hurting your pocket.

  • Do I need insurance?

    Although there is currently no Act of Parliament requiring a PWC/Jet Ski rider to have insurance local bye-laws may require otherwise. Most launch sites will ask for Third Party Liability Insurance.

    Third Party Liability Insurance - This will cover you if you cause damage to another PWC/Jet Ski or anyone else's property or if you cause injury to another person.

    Comprehensive Insurance - This will cover your PWC/Jet Ski for accidental damage, theft, fire and vandalism, plus third party liability risks.

  • How do I choose which company and which policy to buy?

    There are many companies offering PWC/Jet Ski insurance. Some have expert knowledge and specific PWC/Jet Ski policies, others include the PWC/Jet Ski within the general boat policies. You should check the extent of the cover to ensure that you meet all the companies requirements and they meet yours. You could end up uninsured if you do not comply with the conditions properly.

    Here are some things to look out for:

    Policy Excess - You will be required to pay the first amount of any claim. Check the amount.

    With GJW Direct our standard excess is as follows:

    Material damage and liability £150.00 - Theft, including total loss, from within a locked building £250.00.

    Theft elsewhere, including total loss, the greater of 15% of the sum insured or £350.00.

    PWC/Jet Ski riders - Find out who is insured to use the PWC/Jet Ski.

    Some companies restrict the age limit to 16 others to 21. Some companies require that all riders are experienced or have RYA PWC qualifications or riders may have to be named on the policy.

    With GJW Direct, experienced and inexperienced riders and helmsmen are allowed to drive and/or helm the PWC/Jet Ski subject to full details and our agreement. All riders and helmsmen must be 16 years of age or over or riders and helmsmen aged 14 or 15 must be accompanied by an adult over 25 years of age who has at least one year's experience riding and/or helming such a craft and/or has the RYA training certificate for attendance and passed satisfactorily the examination for PWC/Jet Ski.

    Theft - All policies will require you to secure the PWC/Jet Ski. You may have to keep it in a locked building at all times and cover may only be applicable following forcible entry into a building. Some companies require the seat/hood to be stored in a separate locked building. If not in a locked building you might need to have an anti theft device on the craft when left on the trailer in addition to a trailer immobiliser.

    With GJW Direct the PWC/Jet Ski must not at any time be left unattended whilst afloat. When it is not in use on the water it must be attended or securely locked to a road vehicle and the road vehicle must be occupied or securely locked. Otherwise it must be secured by a ball hitch lock or a wheel clamp or in a locked place of storage.

    Hitchlocks - These are not always accepted as an anti theft device.

    GJW Direct do accept ball hitch locks which are sold and marketed as such.

    Data Tag - Some companies require that the PWC/Jet Ski has a Data Tag identification system and is registered with the Data Tag Central Register.

    GJW Direct do not require a Data Tag but we do offer more favourable premiums if a Data Tag is used.

    Towing - Most policies can be extended to cover towing waterskiers but you may need an extension to cover other towed items e.g. kneeboards and other inflatable toys.

    GJW Direct can extend the policy to cover all of the above.

    No claims bonus - Many companies offer this but the discounts differ.

    GJW Direct offer a no claims bonus up to 25%.

    Transit - Make sure your policy includes transit by road when you are towing the PWC/Jet Ski on a trailer.

    GJW Direct automatically cover the PWC/Jet Ski whilst in transit but do not cover any liability which should be covered by your motor insurers.

  • Can I use the Personal Watercraft on holiday?

    The cruising area will be defined in the policy or on the Certificate but this will depend on the policy you have chosen. If you wish to go further afield contact your insurers to establish whether cover can be extended. You may need to pay an additional premium.

    GJW Direct cover the PWC/Jet Ski in UK waters and European Continental waters up to 30 days in total in any Period of Insurance.

  • Personalised PWC insurance

    We cover a range of Personal Watercrafts – so, whether you’re standing or sitting on your craft, we’ve got a policy for you. Have you got a RYA PWC qualification? You could benefit from further savings on your premium.

  • Where can I launch the Personal Watercraft?

    There are lots of commercial hire and launch sites and numerous slipways around the coast from which you can launch. Local harbour offices and councils are the best source of information for coastal sites.

    Make sure you contact them before you leave home. Check opening times, their facilities, the documents you need to produce and their costs.

  • I’m new to Jet Skiing and want some training, where do I go?

    You can take the RYA Personal Watercraft Proficiency training course, call RYA Training 02380 627400 and they will be able to help you.

    Subject to the terms and conditions of the GJW Direct Personal Watercraft Insurance Policy.

  • Comprehensive Jet Ski Insurance

    Our fully comprehensive jet ski insurance policy covers third-party liability up to £3,000,000. So, whether it’s you or someone using your jet ski with your permission, we’ve got you covered.

Policy Documents

See below the policy documents relevant to your PWC or Jet ski cover which are available for you to download.  

Please note, your policy wording may differ from the latest version available on our website. Please refer to your online dashboard for the relevant wording for your policy.

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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 £120,000.
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