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Discussion Starter #1
Are you required by law to have insurance on your Spark? I know some places have laws requiring mandatory liability coverage, while collision is at your discretion.

Where I'm from in Ontario, I understand it that we do NOT need to have any kind of insurance whatsoever on a personal water craft. Now thats not to say you should continue along without because you're not required (of course this all depends on where you live).

Collision would certainly help cover and hull issues like one of our members is dealing with

Liability is a must regardless, do you really want to be on the hook for someones medical bills or recovery?

I've also been told by a friend to look into something called ingestion coverage, It covers you if your Sea-Doo ingest anything into its impeller.

So whats the insurance story? I've been doing some preliminary investigation and here in Ontario I'm going to be looking at a range between $350/year for collision and full replacement, the number jumps up to $400 for collision and liability...
 

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On a per year basis that really isn't that bad. For many people they could probably get insurance for a shorter period of time too since I'm sure most people will only be riding their Spark for the summer months. It is possible to buy insurance that only last a few months instead, right?
 

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Discussion Starter #5
really you need insurance for a sea doo?

i'd imagine its optional.
yea it is optional here, but I'm jsut wondering if people are getting it? I'm thinking about it, I mean $3-400/year is really not that bad for just in case. I mean while not a regular occurance accidents do happen, and id rather not foot the liability myself, nor buy a new rig out of pocket if something were to go terribly wrong you know...
 

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another way some people might see it is that the $300-400 they spend on it is money they can put back into the bike.
 

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Progressive via USAA GA: $300K libility, $1K ded on comp/collision w/ towing. No med payments or UI elected, $191 year...:) definately peace of mind (and my Umbrella kicks in another $2M libility on top)
 

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If you put a crack in the hull fRon not hitting anything will insurance cover that? Say you went off a wave and it cracked. Picking mine up today and Gunna put insurance on it
 

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Discussion Starter #11
If you put a crack in the hull fRon not hitting anything will insurance cover that? Say you went off a wave and it cracked. Picking mine up today and Gunna put insurance on it
I believe thats something you will have to work out with your broker. I can't say forsure, no spark and no negotiations on my end as of yet. Just prelim research...
 

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Just got insurance....500 deduc...50k liability and hull replacement. Also, New ski if mine is totaled in the first 18 months. 326.00 from safe ski.
 

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I got insurance Progressive via USAA. I got it just because you never know what will happen on the water. Accidents aren't cheap. Especially the way people love any chance to sue you.
 

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Boat US for $216 per year. $300,000 / $100,000 with insurance for first year of $7199 cash value if totaled. Be careful of insurance for blue book value. Jet skis depreciated very quickly. Includes fuel spills and uninsured boaters. Have to become Boat Us member for $25 per year so $241 but you get Boat Us magazine, hooray!
 

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Boat US for $216 per year. $300,000 / $100,000 with insurance for first year of $7199 cash value if totaled. Be careful of insurance for blue book value. Jet skis depreciated very quickly. Includes fuel spills and uninsured boaters. Have to become Boat Us member for $25 per year so $241 but you get Boat Us magazine, hooray!
Is that for a whole year though?
 

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Boat US for $216 per year. $300,000 / $100,000 with insurance for first year of $7199 cash value if totaled. Be careful of insurance for blue book value. Jet skis depreciated very quickly. Includes fuel spills and uninsured boaters. Have to become Boat Us member for $25 per year so $241 but you get Boat Us magazine, hooray!
What deductable?
 

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Are you required by law to have insurance on your Spark? I know some places have laws requiring mandatory liability coverage, while collision is at your discretion.

Where I'm from in Ontario, I understand it that we do NOT need to have any kind of insurance whatsoever on a personal water craft. Now thats not to say you should continue along without because you're not required (of course this all depends on where you live).

Collision would certainly help cover and hull issues like one of our members is dealing with

Liability is a must regardless, do you really want to be on the hook for someones medical bills or recovery?

I've also been told by a friend to look into something called ingestion coverage, It covers you if your Sea-Doo ingest anything into its impeller.

So whats the insurance story? I've been doing some preliminary investigation and here in Ontario I'm going to be looking at a range between $350/year for collision and full replacement, the number jumps up to $400 for collision and liability...
Also from Ontario. $480 per year taxes in
 

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$100 deductible for lose of watercraft for $7199 coverage. 3up 90hp with ibr convien pkg
$50 deductible for loss of trailer for $800 coverage. Triton aluminum trailer
$500 deductible for theft.

I guess its more likely to be stolen than totaled!
 
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