Insuring Fjord Boats
motor yachts · Norway / Germany
Fjord builds motor yachts in Norway / Germany. NAMMERT insures boats of this make regardless of year built or where you bought them, liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
Norway / Germany
Class
motor yachts
Typical sizes
6 bis 18 m
Premium from
from €49 a year for liability
Worth knowing
Fjord Boats; cover, cost and conditions
Today Fjord builds motor yachts between 11 and 16 metres within the Hanse group, with the distinctive hard chine hull and a largely open deck, design yachts for the Mediterranean, with outboard or inboard propulsion. The open deck is the point that stands out in insurance terms: hardly any enclosed spaces, but large upholstered areas, teak and equipment out in the open.
On open yachts, hail and vandalism are the risks that cost the most. A summer thunderstorm hits upholstery, displays and teak directly, and a boat cover protects against rain, not against hailstones. Hail is already covered under limited hull cover, vandalism only under full hull cover. Reflect the value of upholstery, teak and electronics in the sum, because on these yachts it is higher than on enclosed boats of the same length.
The name Fjord stands for two very different eras, and most German Fjord owners sail the older one: the Norwegian boats from 1960 to 1992, the 21 DC Daycruiser, the 21 and 24 Weekender, the 24 Attaché, the 26 Cruiser and the Dolphin. These hulls are heavily laminated, seaworthy and practically indestructible, and that is precisely why their market value lies above what a depreciated value calculation produces. Agree an agreed value based on the replacement value, otherwise in a total loss a fifty year old boat is written down even though it has its price on the market.
On the classics there are two places to check: the transom on boats with an outboard and the through-hull fittings on boats with an inboard. A soft transom and an aged shaft gland are questions of substance and maintenance, not an insured event. Sinking at the berth because of a burst cooling water hose, on the other hand, is a full hull cover claim, provided the system was properly maintained. A second bilge switch with an alarm is the most sensible retrofit of all on these boats.
Questions and answers
Frequent questions
Is vandalism included?
Under full hull cover yes, under limited hull cover no. On open yachts with high-quality upholstery and electronics out in the open, that is an argument for full hull cover.
Do you also insure the old Norwegian Fjord boats, such as a 21 DC?
Yes, with no age limit. Condition, value, engine power and cruising range count for the premium and the cover. On boats of this age the agreed value based on the replacement value is the decisive point.
The cover that fits
For the whole class of boat
What matters for motor yachts is the same across every brand; engine output, how a claim is settled, cruising range and theft protection. The class page lists every point and every brand in this class.
Other builders in this class
All makes by type of boat
motor yachts
Ohne Zuordnung
motorboats and sports boats
sailing boats and sailing yachts
dinghies and small craft
inflatables and RIBs
jet skis and boards
houseboats and electric boats
catamarans and multihulls
boat trailers
Katamarane & Trimarane
Nautical information What counts before you cast off, papers, equipment, waters
Licence
A powerboat licence (inland or coastal) is required from 15 hp (11.03 kW).
Registration
Registration from 3 hp; for trips abroad carry the boat certificate or flag document.
Waters
Inland, coastal and abroad; plan fairways, bridge clearances, draught and tides.
Equipment
Lifesaving gear, fire extinguisher, anchor, signalling equipment and correct navigation lights.
Cruising range
The agreed cruising range is stated in the policy and can be extended at any time.
Weather
Check wind force in Beaufort and wind direction before casting off, and allow for gusts.
General guidance, not a complete account; what governs are the rules of the waters you are on and your boat’s manual. Current wind force and direction for your waters are shown on the Home.
Series by Fjord, with value and cover
Fjord Terne / Diplomat (classic) is a motorboat from Fjord (NO/DE), built from 1960 to 1990, and today changes hands at between €6,000 and €28,000.
Fjord 21 DC / 21 HT Daycruiser (classic) is a motorboat from Fjord (NO/DE), built from 1970 to 1992, and today changes hands at between €7,000 and €26,000.
Fjord 21 / 24 Weekender (classic) is a motorboat from Fjord (NO/DE), built from 1970 to 1992, and today changes hands at between €9,000 and €32,000.
Fjord 24 Attaché / Cabin (classic) is a motorboat from Fjord (NO/DE), built from 1972 to 1992, and today changes hands at between €10,000 and €35,000.
Fjord 26 / 27 AK Cruiser (classic) is a motor yacht from Fjord (NO/DE), built from 1975 to 1995, and today changes hands at between €14,000 and €45,000.
Fjord Dolphin 775 / 900 (classic) is a motor yacht from Fjord (NO/DE), built from 1975 to 1995, and today changes hands at between €16,000 and €52,000.
Fjord Consul / Selqueen 24 (classic) is a motorboat from Fjord (NO/DE), built from 1970 to 1990, and today changes hands at between €8,000 and €28,000.
Fjord 52 Open is a motor yacht from Fjord (NO/DE), built since 2016, and today changes hands at between €700,000 and €1,900,000.
Fjord 36 / 41 open is a motor yacht from Fjord (NO/DE), built since 2010, and today changes hands at between €220,000 and €690,000.
Fjord 44 / 53 Open is a motor yacht from Fjord (NO/DE), built since 2010, and today changes hands at between €520,000 and €1,600,000.
Fjord 38 XP is a motor yacht from Fjord (NO/DE), built since 2015, and today changes hands at between €420,000 and €890,000.
Fjord 21 / 24 / 30 Weekender (classic) is a motorboat from Fjord (NO/DE), built from 1970 to 1995, and today changes hands at between €6,000 and €26,000.
Fjord 38 / 41 XP is a motor yacht from Fjord (NO/DE), built since 2016, and today changes hands at between €520,000 and €880,000.
Fjord 44 / 53 Open is a motor yacht from Fjord (NO/DE), built since 2018, and today changes hands at between €880,000 and €1,600,000.
For a series of this age there is no list price left. That is why we work with an agreed value: you state the figure, we agree it, and in a total loss exactly that amount is paid, with no deduction for wear.
On a motorboat the drive is the single most valuable part. Damage after grounding is covered, an engine failure from wear is not.
On motor yachts the drive and the electronics together make up about half the value. Both belong in the valuation, otherwise the sum insured is too low.
As the series is still in production, parts are available and repair costs are predictable. Even so, value it at replacement cost including retrofitted electronics, not at list price.
Models of this make we insure
Each model has its own page with cover, cost and the points that matter for that boat. Your model not listed? We insure it all the same.
Fjord insured in five minutes.
Calculate the premium online, policy the same day, or call us: +49 3375 / 29 12 77.
