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.