Bavaria 38 Ocean insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Bavaria 38 Ocean as a sailing yacht, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Make
Type of boat
sailing yacht
Premium, example
€1,083 a year
or €98 a month if paid monthly
Liability and hull, boat value €76,000 (market value), North Sea, Baltic and Mediterranean
Finance, example
€696 a month
Worked example, not a finance offer: purchase price €76,000 (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 1994–2005 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 38 Ocean: cover, cost and conditions
Bavaria 38 Ocean: for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.
For the Bavaria 38 Ocean: On sailing yachts the rig and the underwater hull are the expensive parts. A dismasting quickly costs a quarter of the boat, and osmosis counts as wear and is covered by no hull policy. Have both surveyed before the purchase, not after a claim.
What does cover for a Bavaria 38 Ocean cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 38 Ocean at the usual market value of €76,000 the premium is €1,083 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 €964, liability for €119. Tariff as of 18.10.2026, your own boat may differ. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.
Bought used, imported or ordered new: we write the Bavaria 38 Ocean with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.
Not to be mixed up with its sisters: this is the Bavaria 38 Ocean, number thirty-eight.
What is a used Bavaria 38 Ocean worth?
A used Bavaria 38 Ocean built between 1997 and 2002 in average condition is typically worth
between €59,800 and €98,000 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2002 | €77,000 to €98,000 | €87,500 |
| 2001 | €74,300 to €94,600 | €84,400 |
| 2000 | €71,200 to €90,600 | €80,900 |
| 1999 | €63,200 to €80,400 | €71,800 |
| 1998 | €61,600 to €78,400 | €70,000 |
| 1997 | €59,800 to €76,100 | €68,000 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 38 Ocean;
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 Ocean.
Market today
For sale in October 2026
5
Typical asking price, 2000 boat
€86,900
Our value, 2000 boat
€80,900
Asking prices against our value
+7%
In October 2026 we found 5 boats of the Bavaria 38 Ocean for sale.
Typical asking price for a 2000 Bavaria 38 Ocean: €86,900.
Our value for a Bavaria 38 Ocean of that year: €80,900.
Asking prices for the Bavaria 38 Ocean are about 7% 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 5 boats of the Bavaria 38 Ocean we found for sale most recently.
1999
11.40 m, Greece
1999
11.73 m, United Kingdom
1999
11.90 m, United Kingdom
1998
11.58 m, United Kingdom
1997
11.00 m, France
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 Ocean?
Yes.
Neither the make nor the model decides whether the Bavaria 38 Ocean is insurable.
What counts is the type of boat, its year, its value, its engine output and the waters you sail.
What does cover for a Bavaria 38 Ocean cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Bavaria 38 Ocean at the usual market value of €76,000 the premium is €1,083 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 €964, liability for €119.
Tariff as of 18.10.2026, your own boat may differ.
The exact premium takes a few minutes in the online calculator, with no contact details required.
My model is spelled slightly differently, does this page still apply?
Yes.
Spellings and suffixes of the Bavaria 38 Ocean vary with the papers and the model year.
Enter the name as it appears in your documents; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover, yes: the Bavaria 38 Ocean is settled at the agreed value,
and in the Premium tariff without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service cancels the old contract for your Bavaria 38 Ocean free of charge,
you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Bavaria 38 Ocean insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
