Skip to content

Seadoo/Personal Watercraft Insurance

Taking to the water in a Seadoo or other brand of jet ski, or even another type of personal watercraft, can be an exhilarating experience. Zipping around and enjoying the rush of excitement can be a lot of fun! However, no matter how safe we try to be, mishaps may still occur, whether during use on a local lake, when transporting your watercraft, or otherwise. Therefore, having sufficient insurance in place is a good idea.

That’s where we at Portside Insurance come in, offering well-rounded and proactive insurance policies for Seadoos and other types of personal watercraft. Let’s help you stay safe financially so you can enjoy your leisure time with peace of mind!

Why You Need Seadoo Insurance

Having Seadoo insurance protects you in the event of a collision causing damage to your vessel or that of another captain. In addition, it may be used to safeguard your finances when transporting or storing your personal watercraft. Otherwise, there’s a risk of incurring a heavy toll on your finances for repairs, reimbursement for theft, compensating others, and potentially even legal fees. While one might wonder, “do Seadoos need insurance?” it’s better to avoid needless financial risk.

What is Covered?

Theft and Agreed Value Protection

In the event of your Seadoo or other personal watercraft being stolen – whether from a trailer, dock or otherwise – our policy will kick in to reimburse you for the loss, even for personal effects. While it’s a bitter pill to swallow in having any personal property stolen, and far from a nice experience, having personal watercraft insurance coverage active prior to the theft can be a silver lining and financial safety net of sorts. The same applies to depreciation; Portside proudly offers an array of agreed value options, protecting against it for 15 years on most boats.

Emergency Towing and Recovery

Suffered a breakdown on the water and need an emergency towing service to bring you ashore? Don’t worry. Our Portside Plus Seadoo insurance covers expenses related to this process, which can otherwise be quite costly. In addition, it means that you won’t need to secure additional emergency towing coverage separately elsewhere.

Ingestion and Damage

Jet-propelled personal watercraft like Seadoos and other jet skis essentially inhale water and shoot it back out in order to enable movement. However, if something is sucked into the vessel’s ingestion system, it can cause mechanical issues and/or less-than-ideal performance. Your coverage will address any repairs required if this occurs. In addition, in the event of an accident or significant damage, you will be covered as well. New parts for repairs don’t have any betterment fees.

How Much Does It Cost to Insure a Seadoo?

The approximate cost of insuring a Seadoo, specifically, will vary depending on several conditions. Your own background plays a role in this as well as the make and model of the vessel, its year, and other factors. Don’t hesitate to contact us for a quote – we’re happy to help!

What to Consider When Shopping for Seadoo Insurance


The amount your vessel is worth plays a significant role in determining the amount in premiums you will pay to cover it. With that in mind, most Seadoos and other jet skis have relatively approachable prices and are therefore cost-effective to insure, especially when it comes to our own options here at Portside.

Where Will You Use it?

Do you plan on using your jet ski only to zip to and from the cottage on an island in a quiet lake? Or, do you intend on participating in watersports in more populated bodies of water? This will also determine the price.


If you’re in need of specific coverage elements for peace of mind, ensure that the provider you select offers them. For a breakdown of everything, we can provide at Portside in your policy, reach out to us to ensure you can make a well-informed decision.

Frequently Asked Questions

Do you need insurance for Seadoos or jet skis?

Although there are no laws in Ontario regulating that Seadoo owners require insurance, it is better to be safe than sorry with these types of Personal Watercraft (PWC). Most marinas, require you to provide proof of coverage before they allow you to store your Seadoos and Yamaha or Kawasaki jet skis with them.

How expensive is Seadoo insurance?

Seadoos are smaller watercraft, but they do not compromise on power. You can likely expect to pay less for this type of insurance than for other vessels; however, narrowing down the cost depends on a variety of factors. Similar to the variables you consider when shopping for Seadoo insurance, the insurer will look at the make, model, and year to determine its value, as well as where it will be driven. The insurer may also consider your insurance habits on other watercraft to determine an accurate quote.

Is hitting a rock covered under Seadoo insurance?

Having Seadoo insurance can cover you as much or as little as you prefer. Since it is not regulated, you can decide on the coverage you need, whether it be liability, theft, or damages. Due to its size and scale, colliding with a rock in the water can be detrimental to this sort of PWC. However, if your insurance covers damages, it would pay for any repairs or a complete replacement in the event the Seadoo is irreparable.

How fast can a Seadoo travel?

Not all Seadoos are made equal. Many newer models have advanced capabilities and are purchased for their speed and ease of use. In general, the maximum power on one of these machines can range from 42 to 67 mph.

Get a Quote Today for Our Personal Watercraft Insurance Policies!