Bavaria 38 Sport HT insurance: calculate your premium
Model page, insured as a motor yacht
If you own a Bavaria 38 Sport HT (thirty-eight), you insure it with us as a motor 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
motor yacht
Premium, example
€1,362 a year
or €124 a month if paid monthly
Liability and hull, boat value €119,000 (market value), 225 hp, North Sea, Baltic and Mediterranean
Finance, example
€1,090 a month
Worked example, not a finance offer: purchase price €119,000 (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 2003–2011 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 38 Sport HT: cover, cost and conditions
Five figures decide what cover for the Bavaria 38 Sport HT (thirty-eight) costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Bavaria 38 Sport HT (thirty-eight) the premium starts from €49 a year. For a Bavaria 38 Sport HT at the usual market value of €119,000 the premium is €1,362 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 €1,213, liability for €149. Tariff as of 18.10.2026, 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 Sport HT (thirty-eight) 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 Sport HT, number thirty-eight.
What is a used Bavaria 38 Sport HT worth?
A used Bavaria 38 Sport HT built between 2006 and 2011 in average condition is typically worth
between €101,000 and €136,000 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2011 | €106,500 to €135,500 | €121,000 |
| 2008 | €106,800 to €136,000 | €121,400 |
| 2007 | €103,000 to €131,000 | €117,000 |
| 2006 | €101,000 to €128,500 | €114,800 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 38 Sport HT;
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 Sport HT.
Market today
For sale in October 2026
3
Typical asking price, 2007 boat
€121,300
Our value, 2007 boat
€117,000
Asking prices against our value
+4%
In October 2026 we found 3 boats of the Bavaria 38 Sport HT for sale.
Typical asking price for a 2007 Bavaria 38 Sport HT: €121,300.
Our value for a Bavaria 38 Sport HT of that year: €117,000.
Asking prices for the Bavaria 38 Sport HT are about 4% 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 8 boats of the Bavaria 38 Sport HT we found for sale most recently.
2011
12.50 m, Sweden
2011
12.70 m, Germany
2011
Sweden
2011
11.80 m, Finland
2011
12.70 m, Sweden
2006
11.35 m, Italy
2006
11.80 m, Turkey
2006
11.35 m, Italy
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 Sport HT?
Yes.
For accepting the Bavaria 38 Sport HT (thirty-eight) 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 Sport HT cost?
The premium for the Bavaria 38 Sport HT (thirty-eight) starts from €49 a year.
For a Bavaria 38 Sport HT at the usual market value of €119,000 the premium is €1,362 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 €1,213, liability for €149.
Tariff as of 18.10.2026, 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 Sport HT (thirty-eight) 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 Sport HT (thirty-eight):
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 Sport HT (thirty-eight),
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Bavaria 38 Sport HT insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
