Delaware has incredible waterfront to take advantage of - not only along the Atlantic coastline, but also the many lakes and rivers as well. Dewey Beach is popular with PWC riders, along with the Delaware River.
There's no denying that jet skis are fun, whether it's a stand-up, sit down, or four-seater. They're fast, easy to care for, and are an affordable way to get out on the water. However, they can also be much more dangerous than their larger boat counterparts. It's incredibly important to not only have a life jacket and a fire extinguisher on your boat at all times, but to also have PWC insurance covering your boat while you're out enjoying the waters in Delaware.
Boating is a favorite American past-time. However, there are thousands of accidents every year on the waterways. Chances are that you or someone you know has been involved in a boating accident.
- There were 1,111 PWC accidents in 2012, second only to open motorboats.
- Navigation rule violation was the #1 cause of PWC accidents in 2012.
- 721 people were injured in PWC accidents in 2012 - the majority of those PWCs were not rented.
- In 2012, over 600 people died in boating accidents.
It's important to stay safe on the water, no matter where you are riding. In the state of Delaware, if you were born after 1978, you must pass a boaters safety course before being allowed to operate a boat, including PWCs. You must be at least 14 years old in order to be licensed to operate a PWC, and if you're 16 or under, you must have an adult rider with you on the vessel at all times.
What is PWC Insurance in Delaware?
When shopping for PWC insurance quotes in DE, there are many different coverage options to choose from. Here are the most typical types of coverage:
Collision coverage: If you collide with another boater or a fixed object, this coverage is designed to help you pay to repair your PWC.
Uninsured and underinsured boater coverage: Many boaters do not have insurance covering their actual watercraft. If you are hit by someone who is uninsured/underinsured, this coverage will kick in to get your PWC repaired
Medical payments coverage: Boating accidents can cause serious injury. If you are involved in an accident where medical care is needed, this coverage can save you from having to pay for those medical expenses out of pocket.
Towing and assistance coverage: If your PWC breaks due to an impeller fail, battery fail, or an accident, this coverage will ensure you get back to shore safely.
Wreckage removal: In the majority of boating accidents, both parties must get their boats out of the water ASAP - even if they've sunk. This coverage will make getting your boat removed quick and easy.
Comprehensive coverage: This coverage is called "Everything other than collision." If your jet ski is damaged by a low-hanging branch, hail, fire, or vandalism, this will cover the repairs.
Accessory coverage: This optional coverage will make sure additional gear, such as life jackets, GPS systems, and upgrades, are covered by your insurance.
You can also get coverage for your PWC trailer as well.
What Type of PWCs are covered?
PWC users are a passionate, fun-loving crowd. As such, many own different types of PWCs. Here is a basic list of the PWC types that you can get PWC insurance for in Delaware:
- Stand-up PWC
- Sit-down PWC
- Multi-person PWC
- Submersible PWC
- Custom PWC
There are many different sizes, brands, and types of PWCs, and every PWC policy will be individual to the owner.
How Much is a PWC Insurance Quote for Coverage in Delaware?
When deciding to shop for quotes on PWC insurance in the beautiful state of Delaware, it's important to know some basic facts about your PWC. Insurance agents will likely need some basic information before giving you a quote. You may need to answer questions such as:
- Make/Model of PWC
- Length of PWC
- Horsepower of PWC
- Top speed of PWC
- Age of PWC
- Value of PWC
- Value of accessories
- Where jet ski will be stored
- Where jet ski will be used
- Who will be riding the jet ski
- If jet ski will be used by others
- Your driving record, on and off the water
All this information will be used in order to give you a quote that will properly cover you and your PWC. There is no strict average for PWC insurance. However, depending on the value of the PWC and your personal situation, PWC insurance rates may range from $30 to $500 annually.
Are There Discounts Available for PWC Insurance Policies?
There are discounts available for almost all insurance policies. Some of the available discounts may be:
- Multiple policy discount
- Boater safety course discount
- Multiple boat discount
- Good driver discount
- Claims free discount
- Military/Industry association discount
- Lay-up discount (during months when you do not use the jet ski)
- Pay-in-full discount
Always be sure to check with your agent about discounts that may be available.
How Do I Get PWC Insurance in Delaware?
Whether you're a seasoned rider, or you just purchased your first jet ski, you may have questions regarding insurance requirements and coverage. A Trusted Choice® agent is always available to help answer questions, suggest coverage, or even help you file a claim. Find an agent in your area for more information.