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Get the best jet ski & seadoo insurance in Ontario

Looking to protect your personal watercraft? We can help – connect with one of our licensed brokers to secure your jet ski insurance today.

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How to compare jet ski insurance quotes with Ratehub.ca

  1. Share information

    Tell us a little about yourself and your jet ski coverage needs.

  2. Get a quote

    We'll show you personalized jet ski quotes from Canada's top providers.

  3. Secure your policy

    Connect with one of our licensed insurance brokers to bind your personalized policy.

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Jet ski & seadoo insurance in Ontario

Jet ski insurance (also known as seadoo insurance, personal watercraft insurance, or PWC insurance) is a unique package of coverage, designed to protect you financially against the risks of owning a personal watercraft. It can help pay for various expenses, including attorney and settlement fees after a lawsuit or repair and replacement bills after an accident. 

Do I need insurance for a jet ski in Ontario?

While insurance for jet skis and seadoos isn't required by law in Ontario (or the rest of Canada, for that matter), it's highly recommended that you purchase adequate coverage anyway. One small accident could put you in deep financial trouble – without the right insurance policy in place, you could be left paying thousands of dollars out-of-pocket. And of course, it's worth having peace of mind, so you can enjoy your hobby worry-free.

Types of jet ski insurance in Ontario

Not all jet skis are insured with the same types of coverages. The exact coverages you'll receive depend on the specific terms of your policy – here are a few types of insurance you can consider.

Jet ski loss & damage


Liability


Accident benefits


Uninsured boater


Emergency assistance


Loss of use


How much does seadoo insurance in Ontario cost?

Generally speaking, the more expensive your personal watercraft, the more you'll be paying to insure it. With jet skis, seadoos, and waverunners, expect to pay between $400 to $800 each year for coverage. If you're looking for an exact quote, be sure to speak to one of our licensed brokers today.

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Factors that impact your jet ski insurance quote

  1. Watercraft make & model

    Insurers look at the year, make, model of your personal watercraft – generally speaking, the more expensive your jet ski, the more it'll cost you to protect it.

  2. Boating experience

    If you have years of experience riding your jet ski, you bring less risk from an insurance perspective. If you're new to boating, however, you may face higher premiums.

  3. Insurance history

    Having numerous claims on your insurance history isn't a good look to insurance providers – therefore, be prepared to pay higher jet ski rates.

  1. Jet ski usage

    The more you take out your jet ski for a ride, the more likely something will go wrong, leading to an insurance claim. Therefore, avid users tend to face more expensive rates.

  2. Location

    Different types of waters brings different levels of risk – and storing your jet ski in public can also increase your vulnerability to theft (or course, raising your premium).

  3. Coverage type

    The more types of coverages you add on your policy, the more expensive your jet ski insurance will be. Extra protection doesn't come without a cost.

How to get cheap jet ski insurance rates in Ontario

Compare the market – You won't know which jet ski insurance company offers the cheapest rates until you look at all your options. Don't just settle with the first provider you come across.

Bundle insurance products – If you insure multiple watercraft (or even your jet ski, car, and home) under one provider, your loyalty will be rewarded with a rate reduction. 

Take a jet ski course – If you've taken an approved jet ski course, ask your insurer if you're eligible for a discount. Certain providers will offer lower rates for the added safety. 

Increase your deductible – A higher deductible means you'll be paying more when it comes to making a claim, but it can also help lower your jet ski insurance premium. 

Double-check your coverage – The more added coverages you have on your policy, the higher the rate you'll be paying. So consider what risks you are (or aren't) willing to take.

Keep a clean insurance history – Making minor watercraft insurance claims can hurt your future rates. Insurers like to see low-risk boaters, think twice before making a claim.

Get Ontario jet ski and seadoo insurance today

In just a few steps, you can get low-rate personal watercraft insurance quotes from Canada's top providers – secure the coverage you need with us today.

Frequently asked questions

Do seadoos need insurance?


Is jet ski insurance worth it?


Can I insure my jet ski under my home insurance?


Can I bundle jet ski insurance with auto and home insurance?


Matt Hands, Business Director of Insurance

With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read more

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