Jet Ski & Personal Watercraft Insurance FAQs

Jet ski insurance covers different aspects of owning and using a jet ski, including theft, damage, liability, and personal accident. It is not a legal requirement in the UK to have jet ski insurance; however, most harbours, marinas and recognised mooring or launching locations will require you to have third-party insurance (which covers damage or injury caused to others). 

Personal accident insurance provides cover in case of injury or death as a result of an accident while operating your jet ski. It's best to consider all options and speak to a specialist insurer to determine if you require insurance and what level of protection you’ll need for your specific needs. 

It’s always a good idea to carry safety equipment with you when on board your jet ski. This includes, but is not limited to, a personal flotation device (PFD) or lifejacket, a kill cord or engine shut-off switch, which should be attached to the rider and the jet ski's engine to prevent accidents if the rider falls off. 

A waterproof and self-draining storage compartment is also recommended to carry other vital safety equipment, such as flares (if you choose to do so), a whistle, a first aid kit, and communication devices such as a VHF radio or a mobile phone. 

It's important to check and maintain all safety equipment regularly to ensure it is in good working order. 

In the UK, jet ski riding is allowed in most coastal areas and in specific inland waterways. 

However, it's important to check regulations and restrictions for the specific body of water you intend to ride in. In general, jet ski riding is often prohibited in environmentally sensitive areas or those designated for leisure activities such as swimming, fishing, or boating. 

It's always best to check local bylaws and consult with the waterway authorities to ensure you are following all rules and regulations. 

You do not need a licence to operate a jet ski within the UK. However, always remember to refer to local guidelines and to check if a licence is necessary when you rent or drive one when you’re abroad. 

Top tip: It’s always worth taking lessons before you drive a jet ski to build up your experience before you head out on the water. The RYA (Royal Yachting Association) provide training courses that you can sign up to, so be sure to check out their website.