Bavaria 41 Cruiser insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Bavaria 41 Cruiser (forty-one) 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
€1,780 a year
Liability and hull, boat value €131,000, North Sea, Baltic and Mediterranean
Bavaria 41 Cruiser: cover, cost and conditions
Bavaria 41 Cruiser (forty-one): 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.
What does cover for a Bavaria 41 Cruiser (forty-one) cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 41 Cruiser at the usual market value of €131,000 the premium is €1,780 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 €1,661, liability for €119. Tariff as of 17.10.2026, 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 41 Cruiser (forty-one) 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 41 Cruiser, number forty-one.
What is a used Bavaria 41 Cruiser worth?
A used Bavaria 41 Cruiser built between 2013 and 2024 in average condition is typically worth
between €83,300 and €269,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €211,700 to €269,500 | €240,600 |
| 2023 | €211,500 to €269,200 | €240,300 |
| 2022 | €152,900 to €194,600 | €173,700 |
| 2020 | €145,700 to €185,500 | €165,600 |
| 2019 | €127,200 to €161,800 | €144,500 |
| 2018 | €115,100 to €146,500 | €130,800 |
| 2017 | €87,000 to €110,700 | €98,800 |
| 2016 | €93,900 to €119,500 | €106,700 |
| 2015 | €87,800 to €111,800 | €99,800 |
| 2014 | €87,200 to €111,000 | €99,100 |
| 2013 | €83,300 to €106,000 | €94,600 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 41 Cruiser;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 8% off the value of a Bavaria 41 Cruiser.
Market today
For sale in October 2026
18
Typical asking price, 2018 boat
€142,000
Our value, 2018 boat
€130,800
Asking prices against our value
+9%
In October 2026 we found 18 boats of the Bavaria 41 Cruiser for sale.
Typical asking price for a 2018 Bavaria 41 Cruiser: €142,000.
Our value for a Bavaria 41 Cruiser of that year: €130,800.
Asking prices for the Bavaria 41 Cruiser are about 9% 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 18 boats of the Bavaria 41 Cruiser we found for sale most recently.
2022
Germany
2020
12.35 m, Netherlands
2020
12.38 m, Turkey
2020
Germany
2019
Germany
2018
12.35 m, United Kingdom
2018
12.35 m, United Kingdom
2018
11.99 m, United Kingdom
2017
12.35 m, Croatia
2017
12.35 m, Croatia
2017
12.50 m, Norway
2016
12.35 m, Croatia
2016
Croatia
2016
12.35 m, Germany
2016
Germany
2015
12.35 m, Croatia
2014
13.10 m, Greece
2014
12.50 m, Croatia
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 41 Cruiser?
Yes.
Neither the make nor the model decides whether the Bavaria 41 Cruiser (forty-one) 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 41 Cruiser cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Bavaria 41 Cruiser at the usual market value of €131,000 the premium is €1,780 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 €1,661, liability for €119.
Tariff as of 17.10.2026, 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 41 Cruiser (forty-one) 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 41 Cruiser (forty-one) 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 41 Cruiser (forty-one) free of
charge, you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Bavaria 41 Cruiser insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
