Bavaria 38 Holiday 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 Holiday: 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
€907 a year
or €82 a month if paid monthly
Liability and hull, boat value €63,000 (market value), North Sea, Baltic and Mediterranean
Finance, example
€577 a month
Worked example, not a finance offer: purchase price €63,000 (market value), 20% deposit, 10 years, 6.9% interest assumed. The lender decides on the rate and on approval.
Technical data
Length overall
11.85 m
Length from our boat catalogue for the 1993–2003 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 38 Holiday: cover, cost and conditions
How much does the name Bavaria 38 Holiday 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 Holiday? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 38 Holiday at the usual market value of €63,000 the premium is €907 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 €788, liability for €119. Tariff as of 18.10.2026, 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 Holiday 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 Holiday, number thirty-eight.
What is a used Bavaria 38 Holiday worth?
A used Bavaria 38 Holiday built between 1996 and 2000 in average condition is typically worth
between €52,000 and €71,700 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2000 | €56,100 to €71,400 | €63,700 |
| 1999 | €56,300 to €71,700 | €64,000 |
| 1998 | €55,000 to €70,000 | €62,500 |
| 1997 | €53,300 to €67,900 | €60,600 |
| 1996 | €52,000 to €66,200 | €59,100 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 38 Holiday;
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 38 Holiday.
Market today
For sale in October 2026
3
Typical asking price, 1998 boat
€63,500
Our value, 1998 boat
€62,500
Asking prices against our value
+2%
In October 2026 we found 3 boats of the Bavaria 38 Holiday for sale.
Typical asking price for a 1998 Bavaria 38 Holiday: €63,500.
Our value for a Bavaria 38 Holiday of that year: €62,500.
Asking prices and value of the Bavaria 38 Holiday 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 3 boats of the Bavaria 38 Holiday we found for sale most recently.
1999
11.86 m, United Kingdom
1999
11.85 m, United Kingdom
1999
11.85 m, Croatia
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 Holiday?
Yes, the Bavaria 38 Holiday 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 Holiday cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Bavaria 38 Holiday at the usual market value of €63,000 the premium is €907 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 €788, liability for €119.
Tariff as of 18.10.2026, your own boat may differ.
What your Bavaria 38 Holiday 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 Holiday 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 Holiday,
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 Holiday
free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Bavaria 38 Holiday insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
