Bavaria 40 Ocean insurance: calculate your premium
Model page, insured as a sailing yacht
The Bavaria 40 Ocean is insurable with us as a sailing yacht, whatever its year, wherever you bought it and however many owners came before you. Liability, hull, legal expenses and personal accident cover sit in one contract, set up online in five minutes.
At a glance
Make
Type of boat
sailing yacht
Premium, example
€1,260 a year
or €115 a month if paid monthly
Liability and hull, boat value €90,000 (market value), North Sea, Baltic and Mediterranean
Finance, example
€825 a month
Worked example, not a finance offer: purchase price €90,000 (market value), 20% deposit, 10 years, 6.9% interest assumed. The lender decides on the rate and on approval.
Technical data
Length overall
12.48 m
Length from our boat catalogue for the 1997–2006 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 40 Ocean: cover, cost and conditions
For the Bavaria 40 Ocean we do not price by model name. The premium comes from five entries in the online calculator: type of boat, year, value, engine output and cruising area.
The premium for a Bavaria 40 Ocean starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 40 Ocean at the usual market value of €90,000 the premium is €1,260 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 €1,141, liability for €119. Tariff as of 18.10.2026, your own boat may differ. How much hull cover adds depends on the value: partial cover pays for fire, storm, lightning, theft of the whole boat and winter storage damage, full cover also for collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, in Premium with no new-for-old deduction.
Whether bought used, brought in from abroad or ordered new, we write the Bavaria 40 Ocean with a berth in Germany or abroad. The international certificate of insurance arrives automatically in ten languages. Take cover out before the handover and transport and the first launch are already insured.
Not to be mixed up with its sisters: this is the Bavaria 40 Ocean, number forty.
What is a used Bavaria 40 Ocean worth?
A used Bavaria 40 Ocean built between 2000 and 2003 in average condition is typically worth
between €75,500 and €103,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2003 | €81,000 to €103,100 | €92,100 |
| 2002 | €80,500 to €102,400 | €91,400 |
| 2001 | €78,400 to €99,800 | €89,100 |
| 2000 | €75,500 to €96,100 | €85,800 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 40 Ocean;
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 Ocean.
Market today
For sale in October 2026
6
Typical asking price, 2002 boat
€100,700
Our value, 2002 boat
€91,400
Asking prices against our value
+10%
In October 2026 we found 6 boats of the Bavaria 40 Ocean for sale.
Typical asking price for a 2002 Bavaria 40 Ocean: €100,700.
Our value for a Bavaria 40 Ocean of that year: €91,400.
Asking prices for the Bavaria 40 Ocean 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 6 boats of the Bavaria 40 Ocean we found for sale most recently.
2003
12.19 m, Sweden
2003
12.48 m, United Kingdom
2001
12.19 m, United Kingdom
2001
12.19 m, United Kingdom
2001
12.19 m, Sweden
2001
Sweden
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 Ocean?
Yes.
Whether we insure the Bavaria 40 Ocean depends not on make or model but on type of boat, year,
value, engine output and cruising area.
What does cover for a Bavaria 40 Ocean cost?
For the Bavaria 40 Ocean the premium starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Bavaria 40 Ocean at the usual market value of €90,000 the premium is €1,260 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 €1,141, liability for €119.
Tariff as of 18.10.2026, your own boat may differ.
The online calculator shows the exact amount after a few entries,
without you leaving any contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
With the Bavaria 40 Ocean, spelling and suffixes often differ between model years and papers.
Use the name from your documents; premium and cover follow the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Bavaria 40 Ocean is settled at the agreed value,
in the Premium tariff with no cap and no new-for-old deduction.
Can I switch from my existing insurer?
Yes.
The old contract for your Bavaria 40 Ocean is cancelled by our switching service at no cost.
You pay only after it runs out, and the switching discount stays for good.
Other models by this make
Bavaria 40 Ocean insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
