A jet ski insurance policy includes most of the provisions of regular car insurance except that there are also provisions for fuel spill clean-up and wreckage removal.  When purchasing a jet ski many individuals think that it can be automatically added to their vehicle insurance policy, but this is not the case.  With most insurance companies it is necessary to acquire jet ski insurance separately from vehicle insurance.  The risk for jet skis is much greater than for motor vehicles and the cost of the premiums for insuring a jet ski are higher.

Unlike motor vehicle insurance, there are very few discounts offered for insuring jet skis. Most of the jet ski companies do not allow tourists or visitors to operate jet skis due to the liability involved.  For an individual who is purchasing a jet ski this is an important consideration when selecting the appropriate insurance policy and you will want to talk to your insurance provider about adding a provision for having friends or guests operate your jet ski and the added cost to your initial premium to allow this. In most cases the cost is so prohibitive that people do not opt for this enhancement on their coverage.

Jet skis are composed mainly of fiberglass hulls which are easily damaged when they hit a hard surface. In addition it is very easy to be injured when operating a jet ski if you have not had the proper training to use one.  There are many classes available that teach people how to operate jet skis safely and insurance companies encourage potential clients to take advantage of these courses.  There are some insurance companies that give a discount or concession to individuals who have participated in jet ski safety courses.

Age requirements for operating a jet ski differ than for driving a car so it is also important to make sure that all members of a family are covered under a jet ski insurance policy even if they are not on the family vehicle insurance policy.  When there is an accident the operator of the jet ski is liable for damage or injury and it is important that if a child is operating a jet ski they are covered against this liability. If there are going to be young members of your family operating the jet ski that you purchase you will want to make sure that they receive proper training in the safe handling of the jet ski prior to allowing them to operate it.

Jet ski insurance policies also contain provisions for uninsured operators just as car insurance does. This is an important factor in the insurance policy since you will be covered for damage or injury regarding your jet ski if you are hit by someone who is not insured. When assessing the amount of coverage you will need for your jet ski you should consider that if it is hit, or hits something, it will more than likely be damaged beyond repair so your coverage should be sufficient to replace the jet ski if you wish to replace it after the accident.