Insuring 29er und 49er: cover and premium
dinghies and small craft · several countries
29er und 49er builds dinghies and small craft in several countries. NAMMERT insures a 29er / 49er regardless of year built or where you bought it, liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
several countries
Class
dinghies and small craft
Typical sizes
4,4 to 4,9 m
Premium from
from €39 a year for liability
Worth knowing
29er und 49er; cover, cost and conditions
The 29er and the 49er are skiffs, dinghies with trapeze, gennaker and racks, built for high speeds and frequent capsizes. The 49er was an Olympic class from 2000 to 2024, and the 49erFX is the women's class. For insurance purposes the design is decisive: these boats are sailed at the limit, capsizing is part of normal operation, and rig damage is no exception.
The hull is optimised for weight and the rig for performance, and both mean that damage occurs more often and repairs are more demanding than on a cruising dinghy. A hull repair on a skiff requires a laminate build-up to class rules so that weight and shape are correct. When you report a claim, state that it is a class boat; the repair is then carried out by a specialist yard.
For these classes, racing is the purpose of the boat. Without racing cover practically every relevant loss is excluded: a collision at a course mark, a broken mast in a gust, damage while righting the boat after a capsize. The inclusion costs an additional premium and, on a skiff, is not an extra but the condition for the policy making any sense at all.
Questions and answers
Frequent questions
Is capsizing a claim?
For 29er / 49er: The capsize itself is not, since on a skiff it is part of normal operation.
Consequential damage to the rig or hull while righting the boat is covered under full hull cover
with racing cover included.
Why is racing cover essential here?
For 29er / 49er: Because on a skiff practically every relevant loss happens during a race.
Without that inclusion the policy is worth little.
The cover that fits
sailing dinghy insurance
Tariffs, cover and FAQ for sailing dinghy insurance in detail.
Third-party liability
The foundation for a boat from 29er / 49er: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a 29er / 49er, at replacement value with an agreed fixed value.
For the whole class of boat
For 29er / 49er: What matters for dinghies and small craft 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, 29er / 49er included.
Insuring dinghies and small craft, every brand and every condition
Other builders in this class
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 the manual of your 29er / 49er.
Current wind force and direction for your waters are shown on the Home.
Series by 29er / 49er, with value and cover
29erXX is a sailing dinghy from 29er / 49er, built from 2006 to 2020,
and today changes hands at between €10,000 and €22,000.
29er Skiff is a sailing dinghy from 29er / 49er, built since 1998,
and today changes hands at between €8,000 and €18,000.
49er und 49erFX is a sailing dinghy from 29er / 49er, built since 1996,
and today changes hands at between €18,000 and €38,000.
For the 29erXX by 29er / 49er series the market value and the replacement cost often differ widely.
An agreed value removes the age-based scale, and the figure in the policy stands.
As the 29er Skiff and 49er und 49erFX by 29er / 49er series are still in production,
parts are available and repairs are predictable.
Still, set the value at replacement cost, including sails, rigging or gear you bought later.
For the 29erXX, 29er Skiff, 49er und 49erFX by 29er / 49er series:
Dinghies are mostly trailed and stored ashore,
and that is where most damage happens: rigging, strapping down and winter storage.
29er / 49er insured in five minutes.
Boat type, year built, length and value of your 29er / 49er are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
