How much coverage do I need?
Each personal watercraft, person, location and situation is different. There isn't a good way to give a "ballpark" figure for how much coverage you need. It’s best to evaluate your comfortable level of risk when protecting your PWC, assets and passengers. Your best option is to call our marine specialists at +1.800.236.2453 to discuss the best coverage for you.
Do I have to wear a life jacket to be covered?
While we don't require you to wear a life jacket to be covered, we strongly recommend it. We've seen far too many cases of serious injury or death that could have been avoided if life jackets had been worn. That's why we encourage our customers to wear their life jackets every time they are on the water.
Is there a speed restriction for PWC insurance?
No, we don't have any restrictions for speed on stock PWCs.
Will a passenger on my PWC be covered?
Your passenger may be covered under your policy's PWC liability coverage (if you are found legally liable for his or her injuries) and medical payments coverage (if purchased).
Is anyone I let drive my PWC covered?
As long as the owner gives permission to another operator to use the insured PWC, they may be covered.
Is PWC insurance required?
Some states require PWC insurance (i.e. those states that require minimum liability insurance limits), and some states do not. PWC insurance is often required if you finance or lease your unit by the bank or lending institution.
Even if PWC insurance isn’t required for your PWC, it’s still a good idea to secure coverage to make sure your PWC (and you) are protected against unforeseen circumstances.
I store my PWC in winter. Is it still covered in the offseason?
Our PWC insurance policies are year-long policies, so yes, your PWC may be covered during the winter months when it’s stored. Plus, there’s no lay-up restrictions, so if it’s nice late in the fall season or summer comes early, you can be covered.