There is very little that is more fun than spending a sunny day on the water playing with your jet ski. When used properly jet skis are lots of fun and will be an important part of some of your best memories. A less fun, but important part of Jet-Ski ownership is making sure your jet ski is properly insured.
For some reason, Jet-Ski owners seem to think that because their machine is small and easy to use, it doesn't need to be insured. The reality is that it doesn't matter how small the Jet-Ski might be, it is still considered a watercraft and you are required to have it insured. When you stop and think about how expensive a new jet-ski is, not having insurance is silly.
Why Jet Ski Insurance is Necessary
Jet Ski owners seem to think that they will never get in an accident while they are riding their jet skis. The owners assume that because the Jet-Ski is light, quick, and maneuverable, they will be able to avoid an accident. This is not true. There are approximately 5,500 accidents every single year, nearly half result in serious injuries. According to the statistics, a person is 10 times more likely to get injured while they are riding on a ski, than while they are a passenger in a boat.
What the Insurance Covers
The type of insurance you will have to purchase for your machine is called personal watercraft insurance (PWI). A good PWI insurance plan will cover so much more than just the cost of repairing your machine when it gets damaged in an accident. When you are purchasing a PWI insurance plan for your jet ski, you want to make sure the plan covers accidents, medical expenses, fire, vandalism, and theft. You should also make sure that the plan has an additional clause that covers things like kneeboards, wakeboards, towable tubes, and water skis. If something happens to you, your machine, and the person you are towing, you will be grateful that you opted to spend the few extra dollars on the additional insurance.
Just like car insurance, not all PWI insurance plans for jet skis are alike. Different companies have different requirements. When you are shopping for insurance for your jet ski, you have to look at more than just the cost of the insurance plan. You need to read through the insurance plan very carefully. You want to know exactly what types of boating accidents are covered by the plan. Make sure you will be covered if someone other than yourself is driving the Ski at the time of the accident. You should also know exactly what steps you will need to take after an accident.
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