Chalkie

They way I read it is that you are covered for your own medical expenses only. The personal injury exclusion relates to compensatory amounts, if you lost a limb or your eyesight for example. Also you would not be covered for personal liability, so if you killed or badly injured a swimmer for example, you could potentially be liable to pay a huge sum and face prosecution for a criminal offence.

You may be able to pay an extra premium to your Travel Insurers to cover jet skiing personal liability and personal injury. However, normally when you hire a jet-ski you have to take out Insurance. I believe the hirers Insurance will then cover your personal liability, provided that you have used the jet-ski in line with the hirers terms and conditions.

huckster

Felicity King-Evans:

Hi Cha1kie,

Going anywhere nice?

Travel insurance policies can really differ but many do not include certain 'adventurous' sports, like skiing, jet skiing, diving, that kind of thing. You may need to add such activities as an extra. If you can't see it clearly defined on the policy, it's entirely possible that it is not included - so make sure the policy you pick includes it!

Personal liability means cover in case you cause accidental damage or harm to someone else, e.g. if your jet ski hits a swimmer.

Thanks,

Felicity

Tenerife, the post office says jet ski's but no personal liability so unsure where i stand if i injured myself, other company's list jet ski's but then state no personal liabilty cover, example below.

SPORTS AND ACTIVITIES

You are covered to participate in the following sports and activities (provided you are not participating on

a professional basis):

angling, archery*, athletics*(not including marathon running), badminton, banana boating, baseball*,

basketball, billiards, body boarding, bowling, boxing training (no contact), camel riding*, canoeing,

catamaran sailing**, clay pigeon shooting, climbing (climbing wall), cricket*, croquet, curling, cycling

(non-touring)*, dancing, darts, dinghy racing, dinghy sailing, elephant ride, fell walking, flag american

football, football, golf, gymnastics, helicopter ride (passenger), hiking, horse/reindeer drawn sleigh, horse

riding, horse/mule trekking, hot air ballooning (passenger), ice cricket*, jet skiing*, kite surfing (on a

lake)*, light aircraft rides (passenger) martial arts training, motorcycling under 125cc* (as a means of

transport only), netball, orienteering, paint balling*, pony trekking, pool, rambling, rifle range*, ringos,

rounders, rugby league*, rugby union*, sailing** (in-shore & off-shore), scuba diving (max. 30m),

sledging, snooker, snorkelling, snow-shoeing, soccer, softball, squash*, surfing*, swimming, swimming

with dolphins, table tennis, tennis, ten-pin bowling*, tobogganing (winter), touch football, trampolining,

trekking, tubing, tug-o-war, volleyball, wake boarding, walking, walking up Sydney Harbour Bridge, water

polo, waterskiing, wheelchair basketball, windsurfing (on a lake)*.

* no Personal Liability cover

** no Personal Liability / offshore rescue cover

a professional basis):

Chalkie

I have just checked the insureandgo policy wording and they DO NOT COVER JET Skiing as standard. You can view the policies online for yourself. Must Insurers have specimen policy wordings online but always phone companies if you are unsure. The insureandgo policy wording is very clear as to which activities are covered and which are not. You will note for such activities as jet Skiing they do not cover personal liability or personal injury. You may be able to phone companies to arrange cover for activiities but be prepared to pay expensive premiums.

Huckster

When I went to Egypt, and Malaysia I had to list all the activities that i was going to be doing they included them in my insurance cover but loaded the policy. It cost alot more then the usual standard cover but i was happy to pay so i knew that if anything happened i would be coverd. Make sure you list everything that you want covered.

Hi Cha1kie,

Going anywhere nice?

Travel insurance policies can really differ but many do not include certain 'adventurous' sports, like skiing, jet skiing, diving, that kind of thing. You may need to add such activities as an extra. If you can't see it clearly defined on the policy, it's entirely possible that it is not included - so make sure the policy you pick includes it!

Personal liability means cover in case you cause accidental damage or harm to someone else, e.g. if your jet ski hits a swimmer.

Thanks,

Felicity

Many different insurance companies cover different things. It's really best to ask the insurers themselves.

I'm trying to book travel insurance but don't understand it accidents whilst useing a jet ski are covered, most say personal liabilty not included but does that mean that i'm covered if i hurt myself, if not does any one know of a reputable company that does include accident.

thanks chalkie