Bavaria 38 Cruiser insurance: calculate your premium
Model page, insured as a sailing yacht
If you own a Bavaria 38 Cruiser, you insure it with us as a sailing yacht, however old it is, wherever it was bought and through however many hands it passed. Liability, hull, legal expenses and personal accident come from one house and are arranged online in five minutes.
At a glance
Make
Type of boat
sailing yacht
Premium, example
€982 a year
Liability and hull, boat value €69,000, North Sea, Baltic and Mediterranean
Bavaria 38 Cruiser: cover, cost and conditions
Five figures decide what cover for the Bavaria 38 Cruiser costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Bavaria 38 Cruiser the premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 38 Cruiser at the usual market value of €69,000 the premium is €982 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 €863, liability for €119. Tariff as of 17.10.2026, your own boat may differ; the hull share follows the value. Partial cover insures fire, storm, lightning, theft of the whole boat and winter storage damage, full cover adds collision, grounding, vandalism and theft of parts. On a total loss the agreed value applies, in Premium with no deduction for new-for-old.
Berth in Germany or abroad, bought from a dealer, privately or imported: for the Bavaria 38 Cruiser it makes no difference to us. The international certificate of insurance comes automatically in ten languages. Start cover before the handover and transport and the first launch are included straight away.
Not to be mixed up with its sisters: this is the Bavaria 38 Cruiser, number thirty-eight.
What is a used Bavaria 38 Cruiser worth?
A used Bavaria 38 Cruiser built between 2002 and 2011 in average condition is typically worth
between €53,400 and €86,000 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2011 | €66,400 to €84,500 | €75,400 |
| 2010 | €63,800 to €81,200 | €72,500 |
| 2009 | €62,000 to €79,000 | €70,500 |
| 2008 | €67,600 to €86,000 | €76,800 |
| 2007 | €58,900 to €74,900 | €66,900 |
| 2006 | €61,700 to €78,600 | €70,100 |
| 2005 | €53,400 to €68,000 | €60,700 |
| 2004 | €60,500 to €77,000 | €68,700 |
| 2003 | €60,400 to €76,900 | €68,600 |
| 2002 | €59,500 to €75,700 | €67,600 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 38 Cruiser;
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 Cruiser.
Market today
For sale in October 2026
22
Typical asking price, 2007 boat
€67,600
Our value, 2007 boat
€66,900
Asking prices against our value
+1%
In October 2026 we found 22 boats of the Bavaria 38 Cruiser for sale.
Typical asking price for a 2007 Bavaria 38 Cruiser: €67,600.
Our value for a Bavaria 38 Cruiser of that year: €66,900.
Asking prices and value of the Bavaria 38 Cruiser 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 23 boats of the Bavaria 38 Cruiser we found for sale most recently.
2011
11.87 m, Spain
2010
Spain
2010
Germany
2008
Netherlands
2008
12.19 m, Sweden
2008
Denmark
2008
11.72 m, Switzerland
2005
11.89 m, United Kingdom
2005
11.72 m, Croatia
2005
Greece
2005
11.72 m, Croatia
2005
11.89 m, Sweden
2005
Denmark
2004
12.19 m, Sweden
2004
Sweden
2004
11.84 m, Italy
2004
11.84 m, Greece
2004
France
2003
11.83 m, United Kingdom
2003
12.30 m, United Kingdom
2003
11.58 m, Denmark
2003
11.58 m, Denmark
1998
Netherlands
year newer than our values
€68,000
Listing on scanboat.com ↗
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 Cruiser?
Yes.
For accepting the Bavaria 38 Cruiser we look at type of boat, year, value,
engine output and cruising area; make and model alone rule nothing out.
What does cover for a Bavaria 38 Cruiser cost?
The premium for the Bavaria 38 Cruiser starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Bavaria 38 Cruiser at the usual market value of €69,000 the premium is €982 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 €863, liability for €119.
Tariff as of 17.10.2026, your own boat may differ.
The online calculator tells you the exact figure in a couple of minutes,
with no name or phone number asked.
My model is spelled slightly differently, does this page still apply?
Yes.
Suffixes and spellings of the Bavaria 38 Cruiser change with the year and the documents.
Write the name as in your papers; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover the agreed value applies to the Bavaria 38 Cruiser:
the claim is settled at that value,
in the Premium tariff without limit and with no new-for-old deduction.
Can I switch from my existing insurer?
Yes, free of charge through the switching service:
we cancel the old contract on your Bavaria 38 Cruiser,
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Bavaria 38 Cruiser insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
