Looking for Personal Watercraft (PWC) Insurance?

Ahoy! PWC Owners

Whether you're zipping across the waves on your Jet Ski, Sea-Doo, or WaveRunner, or cruising along the shoreline, we've got you covered.

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Your personal watercraft is your ticket to thrills and adventure on the water. It offers speed, maneuverability, and excitement that larger boats can’t match. Team up with Ahoy! for dependable insurance that travels with you, ensuring safe rides and worry-free PWC escapades. Just like the quick acceleration of your PWC, we’ll promptly provide you with a quote (and be there at time of need), empowering you to navigate the waters with confidence.

By selecting Ahoy!, you’re enhancing the safety of all your PWC adventures. At Ahoy!, we stand by your side, offering protection tailored to every PWC rider’s needs. Ahoy! and its tech-driven added value features accompany you, guaranteeing each voyage is as secure as a well-fitted life jacket.

Ahoy! PWC Insurance

Our Ahoy! App enhances your PWC experience by simplifying personal watercraft protection. It eases the process and enriches your time on the water. With app-based virtual self-inspections, Ahoy! can help to reduce deductibles and offers phone replacement if your phone lost at sea.

Your PWC is a cherished possession, a source of excitement, and a valuable investment. It represents a lifestyle as exhilarating as the spray of water in your face. Experience the thrill of riding with your trusted PWC companion.

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What is a Personal Watercraft (PWC)?

Personal watercraft, often referred to as Jet Skis, Sea-Doos, or WaveRunners (depending on the brand), are small, agile vessels designed for speed and maneuverability on the water. These exciting watercraft are often powered by an inboard jet drive engine, and offer a unique and thrilling boating experience.

Let's explore the characteristics that make PWCs stand out:

Adrenaline Seeker's Dream:

PWCs are built for excitement, offering quick acceleration, high speeds, and the ability to perform sharp turns and tricks on the water. They're perfect for thrill-seekers looking for an action-packed day on the waves.

Compact and Portable:

Unlike larger boats, PWCs are relatively small and lightweight, making them easy to transport and store. Many can be towed on a trailer behind a car, giving you the freedom to explore different waterways.

Versatile Fun:

PWCs can be used for various water activities, from high-speed cruising and racing to towing water skiers or wakeboarders. Some models are even equipped for fishing or touring.

Easy to Operate:

Most PWCs are designed with user-friendly controls, making them accessible to riders of different skill levels. However, proper training and safety precautions are essential for safe operation.

Ahoy! offers dependable and customizable insurance for PWC owners, ensuring coverage and protection for all your high-speed adventures on the water. Our app and virtual self-inspections streamline the process and provide extras like phone replacement.

What Insurance Options does Ahoy! Offer for PWCs?

Ahoy! proudly provides boat insurance coverage for a wide range of boats. For boats with the following specifications we offer fully-digital policy quoting and binding process which eliminates the haggle and hustle of traditional insurance purchasing:

up to 50 feet – which if it existed, might be the largest Cabin Cruiser ever seen
up to 40 years of age and $500,000 value
up to 500HP per engine for a single or double engine boat, or up to combined 1050HP for triple engines (3 engines max)

We also insure boats between 50 to 95 feet and/or between $500,000 and $2,500,000.

For starting a quote for these please contact us
by phone (1-855-289-2469),
chat www.ahoy.insure, or e-mail firstmate@ahoy.insure

We provide a comprehensive suite of PWC tailored Insurance coverage including:

Liability Insurance:

Whether it's a minor mishap or a major incident, having the right liability insurance for your PWC can provide the necessary protection. From potential property damage to unforeseen injuries, comprehensive coverage ensures you can navigate the waters with confidence.

Comprehensive and Collision:

Comprehensive coverage aids in covering damages not caused by collisions, like theft, vandalism, or natural disasters. Collision coverage assists in covering repair costs if your PWC collides with another vessel or object.

Uninsured/Underinsured Boaters:

This coverage helps protect you if you're involved in an accident with another PWC rider who doesn't have sufficient insurance coverage. It also covers medical expenses for injuries sustained in a hit-and-run incident.

Medical:

Accidents can happen at any time on the water, and having medical coverage for your PWC brings peace of mind. From minor injuries to emergencies, Ahoy! Insurance offers comprehensive medical coverage options tailored to your PWC riding requirements.

On-Water Towing:

We'll pay your on-water towing bill up to the limit you choose!

Personal Belongings:

Coverage for your gear, including wetsuits, life jackets, and other PWC accessories.

We also provide Roadside Assistance for your PWC trailer and Rental Reimbursement if your PWC is out of commission due to a covered claim. With Ahoy!, you can enjoy your PWC adventures to the fullest, knowing you're protected both on and off the water.

Get worry-free boating with the Ahoy! Boat App. Insure your PWC today!

The Ahoy! App is like having an insurance crewmate right by your side. From offering insurance assistance tailored to boaters to highlighting essential safety tips and even providing real-time weather updates to make your adventures smoother and more enjoyable, our application is designed to elevate every aspect of your PWC Riding experience!

Some of our mobile app features are:

Phone Replacement:

Our ‘Phone Overboard Protection’ feature – a unique feature tailored just for boaters. If your Ahoy! App is in use, and your phone goes overboard, we will replace your phone!

Get Alerted about the weather!

Our weather and alerts function keeps you updated on weather conditions where you are and sends you early warnings.

Self Inspection saves you money!

Use the app effortlessly conduct a ‘Self Inspection’ using our app and enjoy a $100 discount on your deductible. It is all about making your boating experience as smooth and secure as possible.

Boat Insurance FAQ

Coverage Details in Boat Insurance Policies

What is included in my boat insurance policy?

What is included in my boat insurance policy?

Boat insurance typically covers damage from collisions, fires, theft, lightning, or vandalism, whether on water or land. This includes the boat, its motor, and attached equipment like anchors. It also offers liability coverage for expenses from accidents involving your boat. This can include bodily injury liability, covering medical bills and related costs if someone gets hurt because of your actions, and property damage liability, for damages to others’ boats or property.

Is Insurance Necessary for Less Expensive Boats?

Regardless of your boat’s value, insurance is crucial due to the potential risks involved in boating, like accidents leading to injuries or property damage. Boat insurance can save you from paying these costs from your OWN pocket.

Homeowners Insurance Coverage for Boats

Does Homeowners Insurance Cover My Boat?

Typically, homeowners insurance offers limited coverage for small boats, but not for personal watercraft like jet-skis. The coverage is often restricted to around $1,000 or 10% of your home’s insured value and usually doesn’t include liability coverage.

Off-Season Boat Insurance Coverage for Boats

Should I Insure My Boat During the Off-Season?

Even when not in use, risks like theft or fire persist throughout the year. Keeping your boat insurance active in the off-season protects against these risks, saving you from potential out-of-pocket expenses for damage or theft during these months.

Understanding Boat Insurance Costs

What are the factors that determine the cost of boat insurance?

Boat insurance costs hinge on several key factors, including the boat’s type, size, age, and value, which affect the potential cost of repairs or replacement. The owner’s experience and history of claims can influence rates, too, as insurers gauge the risk level based on past incidents.

Policy choices play a part as well; comprehensive coverage costs more than basic liability, but opting for a higher deductible can reduce the premium. Additionally, safety courses or other qualifications may unlock discounts, demonstrating to insurers a lower risk of accidents.

If there is an incident, we got your back. Our 24/7 First Mate is there for you every step of the way to help resolve any issues or if you need to file a claim.

A Step by Step Guide to PWC Insurance with Ahoy!

Step 1:

Get a quote and Pay

Leveraging our seamless sign-up process, get the most modern-minded, tech-driven boating insurance policy out there in just under 10 minutes.

Step 2:

Download our app

Now that you are an Ahoy! crew mate, download our mobile app, easily scan photos of your boat for lower claim deductibles and help in case of theft.

Step 3:

Sail away!

Sail away into the horizon. Feel fully at peace knowing that our technology-powered mobile app is looking out for you.

Step 4:

We are there for you

If there’s an incident, we got your back. Our 24/7 First Mate is there for you every step of the way to help resolve any issues or if you need to file a claim.