Jet ski insurance: what you need to know before you take to the water
If you're thinking of enjoying the sea with your jet ski this summer, there's one thing you can't overlook: the jet ski insurance. Beyond being a formality, it is an essential protection for both you and third parties. In this article we explain in simple terms everything you need to know.
Is jet ski insurance compulsory?
Yes, absolutely. According to the Royal Decree 607/1999all motor-driven craft, including personal watercraft, must be equipped with a compulsory civil liability insurance. This policy covers any damage you may cause to third parties, whether personal or material, whether you drive yourself or another authorised person does so.
Failure to have this insurance can result in fines of up to 20,000 eurosso it's best not to take any chances.
What does compulsory insurance cover?
The motorbike insurance compulsory covers the civil liability of the owner and persons authorised by the owner to drive. It also includes damage caused to persons towed by the motorbike, such as water skiers, for example.
Coverage includes:
- Material damage to third parties.
- Personal injury to third parties.
- Legal costs in the event of a claim.
What happens if you rent a jet ski?
If you go to rent a jet skiIn the case of a vehicle, the company must have specific insurance to protect the occupants. This insurance is different from the compulsory insurance and is governed by the Regulation on Compulsory Passenger Insurance (R.D. 1575/1989).
In this case, you don't have to take out a contract, but it is advisable to ask about coverage before you get on the bus.
Enjoy the sea without any surprises
Insure your jet ski and sail with peace of mind: compulsory, easy and with expert backing.
How do you know if your jet ski needs insurance?
The law considers a vessel to be any vehicle that:
- Please have more than 10 hp (all jet skis exceed them).
- Have a length over 6 metres (rare on jet skis, but possible on larger models).
Therefore, practically all personal watercraft must be insured. It doesn't matter if you don't use it much, it's a legal requirement.
What additional insurances are available for jet skis?
Although compulsory insurance is essential, many companies offer extended insurance with additional coverages, which may vary between insurers. Some of the most common are:
- Personal accident cover of the driver and occupants.
- Own damage on the jet ski due to collisions or falls.
- Theft and fire.
- Legal assistance and claims for damages.
These coverages are optional, but highly recommended if you use your motorbike frequently or in areas with high boating activity. An insurance broker can help you compare options and choose the right one for you.
What are the requirements to drive a jet ski?
In addition to insurance, you need a licence to drive:
- Yacht skipper A, B or C (depending on the power of the motorbike).
- Or higher titles such as Basic navigation pattern, Yacht skipper o Yacht captain.
It is compulsory to carry this certificate when driving.
Rules of use: basic safety measures
The use of jet skis is regulated by the Royal Decree 259/2002. Some basic standards include:
- Wear a life jacket at all times.
- Respect bathing and boating areas.
- Do not go closer than 200 metres to the coast.
- Respect the maximum number of occupants allowed by the manufacturer.
Conclusion: make sure before you enjoy
Have a jet ski insurance is not only a legal obligation, but also a way to protect your summer. Make sure your policy is in place and covers what you need before you take to the sea.