Bavaria 38 HT insurance: calculate your premium
Model page, insured as a motor yacht
For us the Bavaria 38 HT (thirty-eight) is a motor yacht. New or used, bought at home or abroad, one previous owner or five: liability, hull, legal expenses and personal accident cover are taken out online in one go, in about five minutes.
At a glance
Make
Type of boat
motor yacht
Premium, example
€1,454 a year
or €132 a month if paid monthly
Liability and hull, boat value €128,000 (market value), 225 hp, North Sea, Baltic and Mediterranean
Finance, example
€1,173 a month
Worked example, not a finance offer: purchase price €128,000 (market value), 20% deposit, 10 years, 6.9% interest assumed. The lender decides on the rate and on approval.
Technical data
Length overall
11.80 m
Length from our boat catalogue for the 2006–2015 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 38 HT: cover, cost and conditions
The premium for the Bavaria 38 HT (thirty-eight) is not set by its model name. In the online calculator you give the type of boat, year, value, engine output and cruising area, and those five values make the price.
A year of cover for the Bavaria 38 HT (thirty-eight) starts from €49 a year. For a Bavaria 38 HT at the usual market value of €128,000 the premium is €1,454 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp, hull excess €1,000, paid annually. Hull cover accounts for €1,305, liability for €149. Tariff as of 18.10.2026, your own boat may differ. The rest is set by hull cover and the value of the boat: partial cover for fire, storm, lightning, theft of the whole boat and winter storage, full cover also for collision, grounding, vandalism and theft of parts. If the boat is lost completely, we pay the agreed value, in Premium with no new-for-old deductions.
We also write the Bavaria 38 HT (thirty-eight) when it was bought used, imported or ordered straight from the yard, with a berth at home or abroad. The international certificate of insurance, which you receive automatically, covers ten languages. A policy that starts before the handover covers transport and the first launch.
Not to be mixed up with its sisters: this is the Bavaria 38 HT, number thirty-eight.
What is a used Bavaria 38 HT worth?
A used Bavaria 38 HT built between 2009 and 2012 in average condition is typically worth between
€102,000 and €152,700 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2012 | €120,000 to €152,700 | €136,300 |
| 2011 | €116,700 to €148,500 | €132,600 |
| 2010 | €108,300 to €137,900 | €123,100 |
| 2009 | €102,000 to €129,900 | €115,900 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 38 HT;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 5% off the value of a Bavaria 38 HT.
Market today
For sale in October 2026
11
Typical asking price, 2011 boat
€137,200
Our value, 2011 boat
€132,600
Asking prices against our value
+3%
In October 2026 we found 11 boats of the Bavaria 38 HT for sale.
Typical asking price for a 2011 Bavaria 38 HT: €137,200.
Our value for a Bavaria 38 HT of that year: €132,600.
Asking prices for the Bavaria 38 HT are about 3% 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 13 boats of the Bavaria 38 HT we found for sale most recently.
2011
Croatia
2011
12.50 m, Sweden
2011
Sweden
2011
12.70 m, Croatia
2011
11.80 m, Finland
2011
Denmark
2011
Germany
2011
12.70 m, Sweden
2013
11.80 m, Italy
year newer than our values
€177,000
Listing on yachtall.com ↗2006
11.35 m, Italy
year newer than our values
€110,000
Listing on yachtall.com ↗2006
11.80 m, Turkey
year newer than our values
€119,000
Listing on yachtall.com ↗2006
11.35 m, Italy
year newer than our values
€120,000
Listing on yachtall.com ↗2006
11.35 m, Italy
year newer than our values
€125,000
Listing on yachtall.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 HT?
Yes.
We accept a Bavaria 38 HT (thirty-eight) like any other boat: type of boat, year, value,
engine output and cruising area decide, not the builder.
What does cover for a Bavaria 38 HT cost?
Cover for the Bavaria 38 HT (thirty-eight) starts from €49 a year.
For a Bavaria 38 HT at the usual market value of €128,000 the premium is €1,454 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp, hull excess €1,000,
paid annually.
Hull cover accounts for €1,305, liability for €149.
Tariff as of 18.10.2026, your own boat may differ and then depends on your entries.
The online calculator shows the exact amount in a few minutes, without contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
What exactly the Bavaria 38 HT (thirty-eight) is called often depends on the year and the papers.
Take the name from your documents, the calculation uses the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Bavaria 38 HT (thirty-eight) is settled at the agreed value,
in Premium with no upper limit and no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
We cancel your existing contract for the Bavaria 38 HT (thirty-eight) through the switching
service at no cost.
You pay only once it has run out and secure a permanent switching discount.
Other models by this make
Bavaria 38 HT insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
