AMI Boat & Jet Ski Insurance: Full Guide
AMI Insurance — Boat & Jet Ski Cover
ami.co.nz/boat-insurance
0800 100 200
AMI boat insurance — phone quotes only, no online option
What AMI covers
What AMI does not cover
Source: ami.co.nz/boat-insurance, verified August 2026. Always confirm current policy terms with AMI before purchasing.
The phone-only quoting limitation
Unlike car and home insurance where AMI offers full online quoting, boat and jet ski insurance at AMI is phone-only. You will need to call 0800 100 200, provide your craft details, and receive a quote verbally or via follow-up. There is no online calculator, no instant comparison, and no self-service renewals for watercraft.
This can work well if you prefer speaking to a person. But if you want to compare options across multiple providers at once, a specialist marine broker can do this for you in a single conversation.
When AMI works well for jet ski cover
AMI's 200nm offshore limit suits boat owners who venture further out than typical harbour or lake riding.
Consolidating with an existing AMI policy relationship may have service benefits, particularly at claim time.
AMI waives the excess on claims up to $1,000 — useful for minor collision or damage repairs.
New-for-old replacement within 2 years of purchase from new removes depreciation concerns on a brand-new jet ski.
When a specialist broker does better
Online quote process
AMI boat insurance is phone-only. A broker can compare markets for you digitally, at any time.
Agreed value settlement
AMI's settlement basis is not publicly detailed. Specialist brokers offer agreed value policies where the payout is fixed upfront — no depreciation surprises.
Multiple underwriter access
A broker shops across several marine markets simultaneously, including options AMI doesn't offer.
Commercial use cover
AMI explicitly excludes commercial and business use. Specialist brokers can access markets for hire fleets and commercial operators.
Higher content limits
AMI covers water sports gear up to $10k by phone. A specialist policy may offer structured accessories cover appropriate for high-value equipment.
Claims advocacy
A broker works on your behalf during a claim — not the insurer's.
Compare AMI vs specialist options
A specialist marine broker can compare AMI alongside other underwriters — including agreed value policies that AMI doesn't advertise online. One form, multiple quotes.
Call AMI directly
0800 100 200
Ask for boat or watercraft insurance. Phone-only, no online quote available.
ami.co.nz/boat-insurance ↗Frequently Asked Questions
Does AMI Insurance cover jet skis?
Yes. AMI's boat insurance covers launches, yachts, dinghies, and jet skis. Coverage includes accidental damage, third-party liability, rescue towing, and contents. Quotes are available by phone on 0800 100 200 — AMI does not currently offer an online boat insurance quote.
Can I get an AMI boat insurance quote online?
No. AMI boat and jet ski insurance requires a phone quote. Call 0800 100 200 to speak with an AMI representative. This is different from AMI car or home insurance, which can be quoted online. If you prefer an online process, Tower Insurance offers online jet ski quotes, or you can complete the form on this page to be connected with a specialist marine broker.
What is the AMI boat insurance phone number?
The AMI boat insurance phone number is 0800 100 200. This is their general customer service line — ask specifically for boat or watercraft insurance when connected.
Does AMI cover jet ski insurance at 200nm offshore?
Yes. AMI's boat insurance provides coverage up to 200 nautical miles offshore. This is broader than many standard recreational policies. For social yacht racing, cover extends to 25nm as standard, with an optional extension to 50nm available.
What liability cover does AMI provide for jet skis?
AMI includes third-party property damage liability up to $5 million and personal injury liability up to $1 million as standard. This covers damage or injury you cause to other people, their property, or other watercraft while operating your jet ski.
Does AMI offer new-for-old replacement on jet skis?
AMI offers new-for-old replacement within 2 years of purchase from new. After this period, claims are settled at a depreciated or market value basis. Specialist marine brokers often offer agreed value policies which eliminate depreciation concerns regardless of age.
What does AMI not cover on boat insurance?
AMI does not cover: commercial or business use of your watercraft, personal items such as clothing, jewellery, phones, and computers. For commercial operators or hire fleets, a specialist commercial marine policy accessed through a broker is required.
Compare AMI Against the Market
AMI is a solid option with broad coverage. A specialist broker can compare it alongside agreed-value alternatives at no extra cost to you.
Get a Specialist QuoteReferred to Registered Financial Service Providers. We do not provide financial advice.