Bavaria 40 insurance: calculate your premium
Model page, insured as a sailing yacht
If you own a Bavaria 40 (forty), 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 40: cover, cost and conditions
Five figures decide what cover for the Bavaria 40 (forty) costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Bavaria 40 (forty) the premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 40 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 40 (forty) 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 40, number forty.
What is a used Bavaria 40 worth?
A used Bavaria 40 built between 1996 and 2004 in average condition is typically worth between
€54,300 and €83,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2004 | €65,300 to €83,100 | €74,200 |
| 2003 | €65,100 to €82,900 | €74,000 |
| 2002 | €64,200 to €81,800 | €73,000 |
| 2001 | €61,500 to €78,300 | €69,900 |
| 2000 | €59,400 to €75,600 | €67,500 |
| 1999 | €59,200 to €75,400 | €67,300 |
| 1998 | €57,400 to €73,100 | €65,200 |
| 1996 | €54,300 to €69,100 | €61,700 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 40;
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 40.
Market today
For sale in October 2026
18
Typical asking price, 2001 boat
€70,500
Our value, 2001 boat
€69,900
Asking prices against our value
+1%
In October 2026 we found 18 boats of the Bavaria 40 for sale.
Typical asking price for a 2001 Bavaria 40: €70,500.
Our value for a Bavaria 40 of that year: €69,900.
Asking prices and value of the Bavaria 40 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 19 boats of the Bavaria 40 we found for sale most recently.
2002
12.19 m, United Kingdom
2002
12.19 m, United Kingdom
2002
Greece
2001
12.19 m, United Kingdom
2001
international
2001
12.47 m, Netherlands
2001
12.70 m, France
2001
12.47 m, Netherlands
2001
12.23 m, United Kingdom
2001
12.19 m, Sweden
2001
12.19 m, United Kingdom
2001
12.50 m, Norway
2001
12.48 m, United Kingdom
2001
United Kingdom
2001
12.50 m, Denmark
2000
11.28 m, Norway
2000
12.33 m, United Kingdom
2000
United Kingdom
2008
11.99 m, Croatia
year newer than our values
€80,000
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 40?
Yes.
For accepting the Bavaria 40 (forty) 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 40 cost?
The premium for the Bavaria 40 (forty) starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Bavaria 40 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 40 (forty) 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 40 (forty):
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 40 (forty),
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Bavaria 40 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
