About Watercraft Insurance

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PWC InsuranceYou glide across the water on this craft that is part boat and part motorcycle – and definitely all fun! You get soaked by water spray that keeps you cool under that blazing summer sun. WaveRunner, Jet Ski, and Sea-Doo are just a few names of these inboard engine craft that water sports enthusiasts call PWCs – or personal watercrafts.

So don't get thrown overboard by an accident that leaves you and your ride landlocked. Let the GEICO Insurance Agency help you get a personal watercraft policy. A watercraft insurance quote is fast, easy and above all – free. Plus, if you have any questions concerning watercraft coverage, give us a call at 1-800-865-4846.

What Is PWC Insurance?

PWC insurance helps insure you and your personal watercraft against accidents, vandalism, and liability. That means smooth riding! The GEICO Insurance Agency can help you get the right personal watercraft policy to suit your needs.

What Does PWC Insurance Cover?

The most important part that's covered is you. A watercraft insurance policy typically insures you against many common liability losses regardless of whether you operate it yourself or loan it to another person. In situations like these, you may be covered for:

  • damage to another craft or dock
  • bodily injury or death to another person due to your negligence
  • the negligence of another driver while using your PWC
  • towed water skiers or wake boarders who become injured using your craft
  • physical damage to the hull, machinery, and equipment
  • injury to you caused by an uninsured watercraft operator
  • towing assistance if you break down on the water

What Is Excluded From A PWC Policy?

You should read each and every line in your policy to get the facts on excluded items. Typical examples of what's not covered are:

  • any craft that has been modified to enhance speed and performance
  • operation of a PWC after dark – dusk to dawn
  • operating a PWC when you don't have a valid drivers license

Because insurance needs differ depending on the type of watercraft you own, read the details in your policy to see what is covered and what is specifically excluded.

What Types Of PWC Can the GEICO Insurance Agency Help You Insure?

While the official definition of a personal watercraft varies from state to state, these are two of the more common types of personal watercrafts that GEICO Insurance Agency can help you insure:

  • A stand–up PWC allows for one rider who either stands or kneels on the watercraft, as opposed to sits. Leading brands of stand-up PWCs include Kawasaki and Yamaha.
  • Sit–downs, which allow the rider to sit or stand, can usually carry 2–4 people and often have the ability to tow skiers and wake boarders. Sea-Doos and WaveRunners are popular brands of sit–down PWCs (trademarked by Bombardier and Yamaha, respectively).

What If I Already Have A Boat Insurance Policy?

If you have an existing boat policy purchased through the GEICO Insurance Agency, you can add your PWC. If you don't have a boat insurance policy you can get a watercraft insurance quote. It's easy!

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

PWC coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc.

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