Accessories Cover

Accessories cover extends your jet ski policy to include the additional equipment and aftermarket items you store on or with your craft. For many riders, the value of GPS units, wetsuits, ropes, ski bars, fish finders, and other gear can add thousands of dollars to their total investment. Standard jet ski policies may have low or no cover for accessories by default, so an accessories extension ensures these items are protected.

The best way to determine the right coverage structure is to speak with a specialist marine insurance broker. A broker can assess your craft, usage, and financial circumstances and recommend a policy structure — rather than fitting you into a standard retail product. The referral service at jetskiinsurance.co.nz connects you with specialist brokers at no cost.

In many cases, yes. If you already have marine insurance, your broker may be able to endorse additional coverage types onto your existing policy. Alternatively, a new policy that bundles the coverage structures you need may provide better terms and simpler administration. Discuss your current policy with a specialist broker before assuming what can and cannot be added.

Most NZ marine policies include a geographic coverage area that covers NZ coastal and inland waterways. Cover in Australian territorial waters or on overseas trips typically requires a specific extension and may attract additional premium. If you travel with your craft, make sure you discuss geographic limits with your broker before your trip.

Contact your broker or insurer as soon as possible after an incident. You will be asked to describe what happened, provide photos where relevant, and submit a police report if theft is involved. A specialist insurer will then arrange an assessment. Your broker can advocate on your behalf if any aspect of the claim is disputed — one of the key advantages of using a specialist rather than going direct to an insurer.