Jet Ski Insurance
Marine Specialists
AA Insurance jet ski cover
Not Available via AA

Does AA Insurance Cover Jet Skis?

AA Insurance does not cover jet skis

AA Insurance offers no boat, watercraft, or personal watercraft (PWC) insurance product of any kind. Their boat insurance page returns a 404 error. If you have AA car or home cover and were hoping to add jet ski cover through the same provider, that option does not exist.

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What AA Insurance does cover

AA Insurance focuses on motor vehicle and household insurance. Here is their current product range — none of which extends to watercraft:

Car Insurance (Comprehensive, Third Party Fire & Theft, Third Party)
Motorcycle Insurance
Motorhome Insurance
Caravan Insurance
Classic Vehicle Insurance
Trailer Insurance
Home Insurance
Contents Insurance
Landlord Insurance
Small Business Insurance
Health Insurance (partner product)
Pet Insurance (partner product)
Travel Insurance (partner product)
Life Insurance (partner product)

Source: aainsurance.co.nz product navigation, verified August 2026. Always check the AA Insurance website directly for their current product range.

Why most retail insurers don't cover jet skis

Personal watercraft are a specialist marine risk. They are high-performance craft used in variable waterway environments — harbours, lakes, coastal surf, rivers — with theft, liability, and damage profiles that differ substantially from a car sitting in a driveway. The underwriters who price PWC cover well are typically marine specialists rather than general retail insurers.

AA Insurance's product range is built around motor vehicles and household contents, where they have deep underwriting experience and scale. Jet ski cover simply sits outside what they do — and it is better to know this upfront than to discover it at claim time.

What specialist jet ski cover includes

Agreed value settlement — Fixed payout if written off — no depreciation, no argument.
Third-party liability up to $10M+ — Protection against injury or damage claims involving other people or craft.
Accidental damage — Collisions, grounding, capsize — on the water and in transit.
Theft from trailer, driveway, or marina — Covers the most common theft scenarios for PWC owners.
Trailer cover — Protects the trailer itself — not just the craft attached to it.
Emergency towing — Recovery if you break down on the water — specialist policies often include this as standard.

Other direct options in the market

While AA doesn't offer jet ski cover, a few other direct insurers do. A specialist broker can compare these against non-retail marine markets:

Tower Insurance— covers jet skis, online quote, market value settlement
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AMI Insurance— covers jet skis, phone quote only, 200nm offshore cover
Compare →

Finding specialist cover

Since AA can't help, a specialist marine broker is your best next step. Fill in the form and a licensed broker will compare options across multiple underwriters — no cost, no obligation.

Get a Quote

A specialist broker will be in touch within one business day.

No obligation. We refer your enquiry to our specialist marine brokers.

Frequently Asked Questions

Does AA Insurance cover jet skis in New Zealand?

No. AA Insurance does not offer jet ski or personal watercraft (PWC) insurance of any kind. Their marine watercraft product category does not exist — the boat insurance page on their website returns a 404 error. Jet ski and PWC owners need to use a specialist marine insurer or broker.

Can I add jet ski cover to my AA car or home policy?

No. AA Insurance does not offer any watercraft extensions or add-ons to their car, home, or contents policies. Personal watercraft are excluded entirely from their product range. You would need a separate specialist marine policy from a different provider.

Why doesn't AA Insurance cover jet skis?

AA Insurance focuses on motor vehicles and household risks. Personal watercraft are a specialist marine category with distinct underwriting requirements — different risk profiles, usage environments, and claim patterns to car or home insurance. Most specialist marine cover in New Zealand is accessed through marine-focused underwriters and brokers rather than general retail insurers like AA.

What is the best alternative to AA for jet ski insurance?

A specialist marine insurance broker is the most effective alternative. Brokers access underwriters that specifically price and underwrite personal watercraft cover, providing comprehensive policies that include agreed value settlement, third-party liability, trailer cover, and accessories. Other direct options in the market include Tower Insurance (online quotes, market value settlement) and AMI (phone quotes). A broker can compare these and other specialist options.

Does AA Insurance cover boat trailers?

AA Insurance does offer a Trailer Insurance product that covers standard trailers. However, this is designed for general cargo and utility trailers rather than boat trailers specifically. It does not include the watercraft or any marine use, only the trailer vehicle itself. A specialist marine policy that includes a trailer extension is the more appropriate product for jet ski trailer cover.

Get the Right Cover for Your Jet Ski

AA can't help — but a specialist marine broker can. Compare options across multiple underwriters, with no cost and no obligation.

Get a Specialist Quote

Referred to Registered Financial Service Providers. We do not provide financial advice.