Bavaria 38 insurance: calculate your premium
Model page, insured as a sailing yacht
Year, place of purchase and previous owners do not decide whether we insure the Bavaria 38 (thirty-eight): we write it as a sailing yacht. Five minutes online cover everything from liability and hull to legal expenses and personal accident.
At a glance
Make
Type of boat
sailing yacht
Premium, example
€957 a year
Liability and hull, boat value €67,000, North Sea, Baltic and Mediterranean
Bavaria 38: cover, cost and conditions
How much does the name Bavaria 38 (thirty-eight) matter to the premium? Hardly at all. What counts is the type of boat, the year, the value, the engine output and the cruising area, the five fields of the online calculator.
What should you budget for the Bavaria 38 (thirty-eight)? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 38 at the usual market value of €67,000 the premium is €957 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail, hull excess €500, paid annually. Hull cover accounts for €838, liability for €119. Tariff as of 17.10.2026, your own boat may differ. Hull cover follows the value of the boat. Partial: fire, storm, lightning, theft of the whole boat, winter storage. Full, on top: collision, grounding, vandalism, theft of parts. A total loss means the agreed value, in the Premium tariff without new-for-old deductions.
The Bavaria 38 (thirty-eight) may be second hand, imported or ordered new, and the berth may be at home or abroad: we write it in each of these cases. The international certificate of insurance comes by itself in ten languages, and cover taken out before the handover already includes transport and the first launch.
Not to be mixed up with its sisters: this is the Bavaria 38, number thirty-eight.
What is a used Bavaria 38 worth?
A used Bavaria 38 built between 1999 and 2006 in average condition is typically worth between
€55,400 and €78,300 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2006 | €60,300 to €76,800 | €68,500 |
| 2005 | €59,100 to €75,200 | €67,100 |
| 2004 | €59,200 to €75,300 | €67,200 |
| 2003 | €61,500 to €78,300 | €69,900 |
| 2002 | €60,600 to €77,100 | €68,800 |
| 2001 | €58,100 to €73,900 | €66,000 |
| 2000 | €55,600 to €70,800 | €63,200 |
| 1999 | €55,400 to €70,600 | €63,000 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 38;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 1% off the value of a Bavaria 38.
Market today
For sale in October 2026
17
Typical asking price, 2003 boat
€69,100
Our value, 2003 boat
€69,900
Asking prices against our value
−1%
In October 2026 we found 17 boats of the Bavaria 38 for sale.
Typical asking price for a 2003 Bavaria 38: €69,100.
Our value for a Bavaria 38 of that year: €69,900.
Asking prices and value of the Bavaria 38 are close together.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 18 boats of the Bavaria 38 we found for sale most recently.
2005
12.30 m, United Kingdom
2005
United Kingdom
2004
12.30 m, Greece
2004
11.89 m, Norway
2004
11.58 m, Norway
2004
11.58 m, Norway
2004
11.89 m, United Kingdom
2004
12.13 m, Germany
2004
12.30 m, Netherlands
2004
11.45 m, United Kingdom
2003
12.30 m, United Kingdom
2003
11.91 m, United Kingdom
2003
11.84 m, Netherlands
2003
12.19 m, United Kingdom
2002
Italy
2002
Croatia
2000
11.58 m, Norway
2008
11.58 m, Denmark
year newer than our values
€91,790
Listing on dba.dk ↗
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 38?
Yes, the Bavaria 38 (thirty-eight) is insurable with us.
What decides is not make and model but five figures: type of boat, year, value,
engine output and cruising area.
What does cover for a Bavaria 38 cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Bavaria 38 at the usual market value of €67,000 the premium is €957 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail,
hull excess €500, paid annually.
Hull cover accounts for €838, liability for €119.
Tariff as of 17.10.2026, your own boat may differ.
What your Bavaria 38 (thirty-eight) costs exactly you can work out online in a few minutes,
and you need no contact details to do it.
My model is spelled slightly differently, does this page still apply?
Yes.
The Bavaria 38 (thirty-eight) appears in papers and brochures under slightly different names.
Premium and cover go by the technical data, and you enter the name as it stands in your papers.
On a total loss, do I get the replacement value?
Yes, provided you have full cover: we pay the agreed value for the Bavaria 38 (thirty-eight),
in Premium without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service handles the cancellation of the existing contract for the Bavaria 38
(thirty-eight) free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Bavaria 38 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
