The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A jet ski is insured as a craft, but the risk profile resembles that of a motorcycle: hard acceleration, short reaction times and a rider with no bodywork around them. As a result, the liability section weighs more heavily here than the own-damage section. Injury to a passenger, to a swimmer or to someone on board a boat that is struck leads to claims entirely unrelated to the value of the machine.
The jet ski is also the pleasure craft most often ridden by someone other than the owner. If it is lent to a friend or a family member, cover usually remains in place, but only if that person meets the requirements your policy sets on age and qualifications. If they do not, cover lapses, including for damage that has nothing to do with those qualifications.
There are also local rules on the water about where and how fast you may go. Riding in a prohibited zone, racing and tuning the machine all affect cover directly. For a faster craft with a hull, see also speedboat insurance.
The structure of the cover in three parts, with an overview per situation below.
Liability
Liability
Damage you cause to others with the vessel.
Collision and jetty damage
No legal obligation
Often required by the marina
The vessel itself
Own-damage cover
Damage to the boat, the engine and the fixed equipment.
Fire, storm and sinking
Theft
Collision and grounding
Extensions
Extensions
What you add separately.
Trailer on the road
Occupants
Salvage and wreck removal
What is covered
Situation
Liability
Own-damage cover
Damage to another vessel or a jetty
Yes
No
Theft of the boat or the outboard motor
No
Provided that
Fire and storm damage in the berth or ashore
No
Yes
Sinking through a leak or through rainwater
No
Provided that
Salvage and removal of the wreck
Provided that
Provided that
Osmosis, wear and deferred maintenance
No
No
There is no statutory insurance requirement for pleasure craft. The WAM applies only to motor vehicles. Marinas, harbours and hire companies do generally require liability cover. Pay attention to the sailing area described and to the lay-up or winter storage period: outside the sailing area or during undeclared storage, cover may lapse.
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The injury risk exceeds the value of the machine
Anyone who hits a swimmer or another water user on a jet ski can be liable under Article 6:162 of the Dutch Civil Code. Injury claims with permanent consequences run into amounts that bear no relation at all to the value of the machine. So look first at the sum insured for liability and at whether passengers fall under it, and only then at the own-damage premium.
Boating licence, age and who is riding
Fast motorboats in the Netherlands are subject to a boating licence requirement and a minimum age. If someone rides without the required qualification, cover lapses entirely. If you lend the jet ski out, record who was riding and check the licence beforehand. Insurers ask about this as a matter of course after a claim, and an unsupported yes rarely holds up.
You may not ride as you like everywhere
On many inland waters and in nature areas there are bans, speed limits or designated zones for fast craft. If you ride outside those zones, you risk not only a fine but also a successful argument by the insurer that statutory rules have not been observed. Check the local rules before you go onto new water, and not only after the enforcement officer comes alongside.
Races, stunts and tuning
Taking part in races and speed trials is excluded on almost every policy, as is use for freestyle or for teaching it. If the machine has also been tuned, it differs from what you declared and the insurer can rely on Article 7:952 of the Dutch Civil Code in the event of reckless behaviour. Withholding a tuning kit at the time of purchase also affects your duty of disclosure.
What does your premium depend on?
Value of the machine. The purchase or market value of the jet ski and the permanently fitted accessories forms the basis for the own-damage premium.
Engine power. Power and top speed directly determine the likelihood of serious injury and therefore the assessment of the liability risk.
Age and experience of the driver. Young and inexperienced riders are assessed more strictly. Some insurers set a minimum age.
Number of drivers. If the jet ski is used by several people or is lent out regularly, the risk profile changes.
Storage and security. Storage in a locked shed or garage with a secured trailer is judged differently from a driveway beside a public road.
Excess and claims history. Theft is often subject to a different excess; previous claims count in the underwriting.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Fast motorboats are subject to a boating licence requirement, and a jet ski falls under that. If you ride without the required licence or below the minimum age, your cover lapses entirely, including for damage unrelated to that. The same applies to anyone you lend the machine to; so check beforehand that the person is actually qualified.
May I lend my jet ski to someone?
Usually yes, provided the rider meets the requirements the policy sets on age and qualifications and there is no question of hire. As soon as you ask money for it, that is commercial use and the private cover lapses. When you lend it out, record who was riding; that question comes up with every claim.
Is injury to the passenger behind me covered?
Only if your policy brings passengers under the liability cover or if you have separate personal accident cover for those on board. That is not a given, because some policy conditions expressly exclude injury to your own passengers. If you regularly ride with someone behind you, have it checked explicitly which of the two versions your policy conditions contain.
Is theft of the jet ski or the trailer covered?
Theft of the machine falls under the own-damage cover, generally subject to conditions about storage and about an approved lock. The trailer is an object in its own right that has to be declared separately. If the combination is taken from a driveway without the stated security requirements having been met, there is no cover, not even for the jet ski itself.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
