Bavaria 43 Cruiser insurance: calculate your premium
Model page, insured as a sailing yacht
The Bavaria 43 Cruiser (forty-three) 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
€1,400 a year
or €127 a month if paid monthly
Liability and hull, boat value €101,000 (market value), North Sea, Baltic and Mediterranean
Finance, example
€925 a month
Worked example, not a finance offer: purchase price €101,000 (market value), 20% deposit, 10 years, 6.9% interest assumed. The lender decides on the rate and on approval.
Technical data
Length overall
12.95 m
Length from our boat catalogue for the 2005–2018 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 43 Cruiser: cover, cost and conditions
For the Bavaria 43 Cruiser (forty-three) 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 43 Cruiser (forty-three) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 43 Cruiser at the usual market value of €101,000 the premium is €1,400 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 €1,281, 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 43 Cruiser (forty-three) 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 43 Cruiser, number forty-three.
What is a used Bavaria 43 Cruiser worth?
A used Bavaria 43 Cruiser built between 2008 and 2014 in average condition is typically worth
between €82,000 and €124,900 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2014 | €98,100 to €124,900 | €111,500 |
| 2013 | €93,500 to €119,000 | €106,200 |
| 2012 | €89,800 to €114,200 | €102,000 |
| 2011 | €88,800 to €113,000 | €100,900 |
| 2010 | €85,600 to €109,000 | €97,300 |
| 2009 | €84,000 to €107,000 | €95,500 |
| 2008 | €82,000 to €104,400 | €93,200 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 43 Cruiser;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 3% off the value of a Bavaria 43 Cruiser.
Market today
For sale in October 2026
4
Typical asking price, 2011 boat
€91,900
Our value, 2011 boat
€100,900
Asking prices against our value
−9%
In October 2026 we found 4 boats of the Bavaria 43 Cruiser for sale.
Typical asking price for a 2011 Bavaria 43 Cruiser: €91,900.
Our value for a Bavaria 43 Cruiser of that year: €100,900.
The Bavaria 43 Cruiser is offered about 9% below 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 4 boats of the Bavaria 43 Cruiser we found for sale most recently.
2009
12.83 m, Greece
2009
12.83 m, Greece
2009
13.10 m, Greece
2009
13.10 m, Netherlands
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 43 Cruiser?
Yes.
Whether we insure the Bavaria 43 Cruiser (forty-three) depends not on make or model but on type of
boat, year, value, engine output and cruising area.
What does cover for a Bavaria 43 Cruiser cost?
For the Bavaria 43 Cruiser (forty-three) the premium starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Bavaria 43 Cruiser at the usual market value of €101,000 the premium is €1,400 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 €1,281, 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 43 Cruiser (forty-three),
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 43 Cruiser (forty-three) 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 43 Cruiser (forty-three) 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 43 Cruiser insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
