What insurance does your jet ski need, and what does it cost?
You need an insurance policy to license a jet ski in Dubai, Abu Dhabi and Ras Al Khaimah. Abu Dhabi's rule asks individuals for third-party cover. Sukoon publishes a jet ski price: AED 700 for the driver only, AED 850 with one passenger and AED 1,000 with two, for third-party and personal accident cover.
You need a policy to license a jet ski in Dubai, Abu Dhabi and Ras Al Khaimah, and the policy must run for the whole licence.123
What insurance does the jet ski licence need?
| Emirate | Insurance for the licence |
|---|---|
| Dubai | A policy from an insurer licensed in the emirate, valid 13 months, or 26 months for a two-year licence. The law asks for cover of the owner’s liability to third parties as a minimum. |
| Abu Dhabi | A policy valid 13 months, or at least 12 months from the licence date. The 2017 jet ski decision asks individuals for third-party cover and rental firms for comprehensive cover. |
| Ras Al Khaimah | A policy valid for the whole licence, from an insurer licensed in the UAE. A jet ski licensed in another emirate needs a permit and a policy for the whole permit. |
The rules are on Dubai Maritime Authority’s licence page and in Dubai’s law,14 on Abu Dhabi Maritime’s service page and in the 2017 decision,25 and in Ras Al Khaimah’s 2024 resolution.3 Other emirates are on the northern emirates page.
Buy the policy before the inspection, so you can finish the licence in one go.
What do jet ski policies cover?
| Insurer | What its page or document lists |
|---|---|
| Sukoon, Jetski Insurance | Medical expenses, personal accident, third-party liability and passenger legal liability. A standalone jet ski policy covers third-party liability and personal accident only; damage to the jet ski is covered only under its comprehensive yacht terms. |
| ADNIC, Jet Ski Insurance | Accidental loss or damage, third-party, collision and passenger liability, theft, negligence of crew and latent defect in the hull. Personal accident is optional. |
| Al Buhaira, Jet Ski Insurance | Physical damage, theft and third-party liability, with comprehensive or liability-only options. |
| GIG Gulf, Sail Master | A jet ski is part of your boat policy up to AED 50,000 unless scheduled, with its own theft and use conditions. |
| Fidelity United | No standalone jet ski cover. Jet skis are covered only for owners who insure a pleasure craft with it. |
The rows come from Sukoon,67 ADNIC,8 Al Buhaira,9 GIG Gulf10 and Fidelity United.11 Al Wathba lists jet ski cover from AED 300 and Insurance House a jet ski offer.1213 Every UAE insurer with a boat product is on who sells boat insurance.
Decide whether you need cover for damage to the jet ski itself, or only the liability the licence asks for, before you compare prices.
What does a jet ski policy leave out?
GIG Gulf’s jet ski terms exclude damage from launching or beaching under power, from objects sucked into the jet unit, and loss, damage or liability caused by an engine cut-out that does not work. They exclude towing floats, banana boats or air chairs, stunt, racing or white-water use, and drivers under 21 unless agreed. The theft excess is 5% of the jet ski’s value or AED 2,500, whichever is greater.10
Read the age, towing and theft terms before you lend your jet ski to anyone. Theft conditions are on boat theft.
What should you check when you rent a jet ski?
Dubai Maritime Authority tells renters to “Ensure that the jet ski has a valid comprehensive insurance policy before use”, to rent only from licensed operators, and to call Dubai Ports Police on 999 after an accident.14 Rental firms may not rent to anyone under 16.15
The full checklist is on renting a boat or jet ski.
What happens after a jet ski accident?
ADNIC asks for the claim to be reported within 48 hours with a police or coast guard report, the registration card and three repair quotations.16 In Abu Dhabi every maritime accident must be reported within 24 hours.17
Work out your dates with the claim deadlines tool.
The small print
- Dubai fines. Riding an unlicensed water sports craft, riding without a life jacket, or riding outside the permitted areas are each fined AED 1,000 under Dubai’s 2020 schedule. Riding outside the permitted times is AED 2,000.18 The full list is in boat and jet ski fines.
- Abu Dhabi rules. Jet skis may be used only between sunrise and sunset, and not by anyone under 14.19
- GIG Gulf. The jet ski terms are Endorsement C of the Pleasure Craft handbook.10
Sources
19
1Dubai Maritime Authority, Issuing Marine Vessel License. Last checked 12 Nov 2026. Source document: Issuing Marine Vessel License
2Abu Dhabi Maritime, Our Services. Last checked 12 Nov 2026. Source document: Our Services
3Executive Council, Ras Al Khaimah, Executive Council Resolution No. 8 of 2024 Regulating the Use of Jet Skis in Ras Al Khaimah, Dated 24 June 2024.. Last checked 12 Nov 2026. Source document: Executive Council Resolution No. 8 of 2024 Regulating the Use of Jet Skis in Ras Al Khaimah
4Supreme Legislation Committee, Dubai, Law No. (11) of 2010 Concerning the Licensing of Vessels in the Emirate of Dubai, Issued 7 June 2010. English translation, the Arabic text prevails.. Last checked 12 Nov 2026. Source document: Law No. (11) of 2010 Concerning the Licensing of Vessels in the Emirate of Dubai
5Department of Municipalities and Transport, Abu Dhabi, Chairman's Decision No. 171 of 2017 on jet skis (Arabic), Dated 1 June 2017.. Last checked 12 Nov 2026. Source document: Chairman's Decision No. 171 of 2017 on jet skis (Arabic)
6Sukoon Insurance, Jetski Insurance. Last checked 12 Nov 2026. Source document: Jetski Insurance
7Sukoon Insurance, Privilege Yacht Insurance. Last checked 12 Nov 2026. Source document: Privilege Yacht Insurance
8ADNIC, Jet Ski Insurance leaflet. Last checked 12 Nov 2026. Source document: Jet Ski Insurance leaflet
9Al Buhaira National Insurance, Jet Ski Insurance. Last checked 12 Nov 2026. Source document: Jet Ski Insurance
10GIG Gulf, Sail Master Pleasure Craft, Policy Handbook, Code UAEPL15072022.. Last checked 12 Nov 2026. Source document: Sail Master Pleasure Craft, Policy Handbook
11Fidelity United, FAQ. Last checked 12 Nov 2026. Source document: FAQ
12Al Wathba National Insurance, Marine Insurance for Individuals. Last checked 12 Nov 2026. Source document: Marine Insurance for Individuals
13Insurance House, Insurance House Offers. Last checked 12 Nov 2026. Source document: Insurance House Offers
14Dubai Maritime Authority, Circular No. (23) of 2026 regarding Enhancing the Safety of Jet Ski Users in the Waters of the Emirate of Dubai, Issued 15 May 2026.. Last checked 12 Nov 2026. Source document: Circular No. (23) of 2026 regarding Enhancing the Safety of Jet Ski Users in the Waters of the Emirate of Dubai
15Dubai Maritime Authority, Marine Craft Renting and Operating Activity Licensing. Last checked 12 Nov 2026. Source document: Marine Craft Renting and Operating Activity Licensing
16ADNIC, Jet Ski Insurance Claims. Last checked 12 Nov 2026. Source document: Jet Ski Insurance Claims
17Department of Municipalities and Transport, Abu Dhabi, Administrative Decision No. 69 of 2025, Regulatory Bylaw for Maritime Safety in Abu Dhabi Waterways, Dated 2 June 2025.. Last checked 12 Nov 2026. Source document: Administrative Decision No. 69 of 2025, Regulatory Bylaw for Maritime Safety in Abu Dhabi Waterways
18Supreme Legislation Committee, Dubai, Executive Council Resolution No. (9) of 2020 Amending Executive Council Resolution No. (11) of 2013, Issued 15 February 2020.. Last checked 12 Nov 2026. Source document: Executive Council Resolution No. (9) of 2020 Amending Executive Council Resolution No. (11) of 2013
19Abu Dhabi Maritime, Personal Watercraft (PWC) handbook, Uploaded December 2025.. Last checked 12 Nov 2026. Source document: Personal Watercraft (PWC) handbook
- Owner
- Yachtinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published