Bavaria 40 Cruiser insurance: calculate your premium

Model page, insured as a sailing yacht

For us the Bavaria 40 Cruiser is a sailing 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.

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At a glance

Make

Bavaria

Type of boat

sailing yacht

Premium, example

€1,311 a year

Liability and hull, boat value €94,000, North Sea, Baltic and Mediterranean

Length 12.31 m against a metre scale, to scale. Built 2004 to 2018.

Bavaria 40 Cruiser: cover, cost and conditions

The premium for the Bavaria 40 Cruiser 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 40 Cruiser starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 40 Cruiser at the usual market value of €94,000 the premium is €1,311 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 €1,192, liability for €119. Tariff as of 17.10.2026, 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 40 Cruiser 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 40 Cruiser, number forty.

What is a used Bavaria 40 Cruiser worth?

A used Bavaria 40 Cruiser built between 2007 and 2015 in average condition is typically worth

between €77,600 and €120,200 today.

Well kept boats with recent engines sit above that, boats with defects below.

Year built	typical range	midpoint
2015	€94,400 to €120,200	€107,300
2014	€92,900 to €118,300	€105,600
2013	€88,900 to €113,100	€101,000
2012	€84,600 to €107,700	€96,100
2011	€82,400 to €104,800	€93,600
2010	€82,600 to €105,100	€93,800
2009	€81,400 to €103,600	€92,500
2008	€79,900 to €101,700	€90,800
2007	€77,600 to €98,800	€88,200

With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 40 Cruiser;

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 Cruiser.

Market today

For sale in October 2026

Typical asking price, 2011 boat

€102,600

Our value, 2011 boat

€93,600

Asking prices against our value

+10%

In October 2026 we found 25 boats of the Bavaria 40 Cruiser for sale.

Typical asking price for a 2011 Bavaria 40 Cruiser: €102,600.

Our value for a Bavaria 40 Cruiser of that year: €93,600.

Asking prices for the Bavaria 40 Cruiser are about 10% 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 25 boats of the Bavaria 40 Cruiser we found for sale most recently.

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.

Check an asking price

Check your sum insured

Estimate your boat

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 Cruiser?

Yes.

We accept a Bavaria 40 Cruiser like any other boat: type of boat, year, value,

engine output and cruising area decide, not the builder.

What does cover for a Bavaria 40 Cruiser cost?

Cover for the Bavaria 40 Cruiser starts from €39 a year for a sailing boat,

from €49 for a motorboat.

For a Bavaria 40 Cruiser at the usual market value of €94,000 the premium is €1,311 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 €1,192, liability for €119.

Tariff as of 17.10.2026, 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 40 Cruiser 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 40 Cruiser 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 40 Cruiser 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 33 HT Bavaria DC 25 Bavaria 31 Bavaria 707 Bavaria 28 Sport Bavaria 29 Sport Bavaria 30 Plus Bavaria S30 Bavaria 770 Bavaria 34 Sport Bavaria 36-2 Bavaria 27 Sport Bavaria 30 Cruiser Bavaria 300 Sport Bavaria 37 Sport Bavaria 42 Cruiser Bavaria S 40 HT Bavaria Sport 35 HT Bavaria Sport 39 Bavaria SPORTLINE320 Bavaria SR35 Bavaria SR38 Bavaria SR41 Bavaria S45

All models by Bavaria

Cruising yacht with twin wheels and a wide stern under sail on a calm sea.

Bavaria 40 Cruiser insured in five minutes.

Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.

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