Bavaria 31 Cruiser insurance: calculate your premium
Model page, insured as a sailing yacht
The Bavaria 31 Cruiser is insurable with us as a sailing yacht, whatever its year, wherever you bought it and however many owners came before you. Liability, hull, legal expenses and personal accident cover sit in one contract, set up online in five minutes.
At a glance
Make
Type of boat
sailing yacht
Premium, example
€864 a year
or €78 a month if paid monthly
Liability and hull, boat value €50,000 (market value), North Sea, Baltic and Mediterranean
Finance, example
€458 a month
Worked example, not a finance offer: purchase price €50,000 (market value), 20% deposit, 10 years, 6.9% interest assumed. The lender decides on the rate and on approval.
Technical data
Length overall
9.76 m
Length from our boat catalogue for the 2003–2013 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 31 Cruiser: cover, cost and conditions
For the Bavaria 31 Cruiser we do not price by model name. The premium comes from five entries in the online calculator: type of boat, year, value, engine output and cruising area.
The premium for a Bavaria 31 Cruiser starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 31 Cruiser at the usual market value of €50,000 the premium is €864 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail, hull excess €250, paid annually. Hull cover accounts for €775, liability for €89. Tariff as of 18.10.2026, your own boat may differ. How much hull cover adds depends on the value: partial cover pays for fire, storm, lightning, theft of the whole boat and winter storage damage, full cover also for collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, in Premium with no new-for-old deduction.
Whether bought used, brought in from abroad or ordered new, we write the Bavaria 31 Cruiser with a berth in Germany or abroad. The international certificate of insurance arrives automatically in ten languages. Take cover out before the handover and transport and the first launch are already insured.
Not to be mixed up with its sisters: this is the Bavaria 31 Cruiser, number thirty-one.
What is a used Bavaria 31 Cruiser worth?
A used Bavaria 31 Cruiser built between 2006 and 2010 in average condition is typically worth
between €43,100 and €58,900 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2010 | €46,300 to €58,900 | €52,600 |
| 2009 | €45,600 to €58,000 | €51,800 |
| 2008 | €44,200 to €56,300 | €50,300 |
| 2007 | €43,500 to €55,300 | €49,400 |
| 2006 | €43,100 to €54,900 | €49,000 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 31 Cruiser;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 2% off the value of a Bavaria 31 Cruiser.
Market today
For sale in October 2026
26
Typical asking price, 2008 boat
€53,400
Our value, 2008 boat
€50,300
Asking prices against our value
+6%
In October 2026 we found 26 boats of the Bavaria 31 Cruiser for sale.
Typical asking price for a 2008 Bavaria 31 Cruiser: €53,400.
Our value for a Bavaria 31 Cruiser of that year: €50,300.
Asking prices for the Bavaria 31 Cruiser are about 6% above our value.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 26 boats of the Bavaria 31 Cruiser we found for sale most recently.
2010
Netherlands
2009
9.49 m, Switzerland
2009
Denmark
2009
9.76 m, Croatia
2008
9.78 m, France
2008
9.76 m, United Kingdom
2008
9.75 m, United Kingdom
2008
9.45 m, Germany
2008
9.49 m, Spain
2008
Netherlands
2008
10.06 m, Sweden
2008
United Kingdom
2008
9.45 m, Denmark
2008
Denmark
2008
9.76 m, United Kingdom
2008
9.76 m, Switzerland
2008
Germany
2008
Germany
2007
9.76 m, United Kingdom
2007
9.76 m, United Kingdom
2007
United Kingdom
2007
Germany
2007
9.76 m, Netherlands
2007
Netherlands
2007
10.30 m, Spain
2006
9.76 m, Germany
As of October 2026.
Prices and details come from the listings.
Whether the boat is still for sale is shown in the listing.
Our assessment assumes average condition.
Estimate from our boat records, checked regularly against asking prices. As of October 2026. Not a survey.
Frequently asked
Does NAMMERT insure the Bavaria 31 Cruiser?
Yes.
Whether we insure the Bavaria 31 Cruiser depends not on make or model but on type of boat, year,
value, engine output and cruising area.
What does cover for a Bavaria 31 Cruiser cost?
For the Bavaria 31 Cruiser the premium starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Bavaria 31 Cruiser at the usual market value of €50,000 the premium is €864 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail,
hull excess €250, paid annually.
Hull cover accounts for €775, liability for €89.
Tariff as of 18.10.2026, your own boat may differ.
The online calculator shows the exact amount after a few entries,
without you leaving any contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
With the Bavaria 31 Cruiser, spelling and suffixes often differ between model years and papers.
Use the name from your documents; premium and cover follow the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Bavaria 31 Cruiser is settled at the agreed value,
in the Premium tariff with no cap and no new-for-old deduction.
Can I switch from my existing insurer?
Yes.
The old contract for your Bavaria 31 Cruiser is cancelled by our switching service at no cost.
You pay only after it runs out, and the switching discount stays for good.
Other models by this make
Bavaria 31 Cruiser insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
