Bavaria 45 Cruiser insurance: calculate your premium
Model page, insured as a sailing yacht
Year, place of purchase and previous owners do not decide whether we insure the Bavaria 45 Cruiser (forty-five): we write it as a sailing yacht. Five minutes online cover everything from liability and hull to legal expenses and personal accident.
At a glance
Make
Type of boat
sailing yacht
Premium, example
€1,565 a year
or €142 a month if paid monthly
Liability and hull, boat value €114,000 (market value), North Sea, Baltic and Mediterranean
Finance, example
€1,044 a month
Worked example, not a finance offer: purchase price €114,000 (market value), 20% deposit, 10 years, 6.9% interest assumed. The lender decides on the rate and on approval.
Technical data
Length overall
14.27 m
Length from our boat catalogue for the 2006–2017 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 45 Cruiser: cover, cost and conditions
How much does the name Bavaria 45 Cruiser (forty-five) matter to the premium? Hardly at all. What counts is the type of boat, the year, the value, the engine output and the cruising area, the five fields of the online calculator.
What should you budget for the Bavaria 45 Cruiser (forty-five)? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 45 Cruiser at the usual market value of €114,000 the premium is €1,565 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 €1,446, liability for €119. Tariff as of 18.10.2026, your own boat may differ. Hull cover follows the value of the boat. Partial: fire, storm, lightning, theft of the whole boat, winter storage. Full, on top: collision, grounding, vandalism, theft of parts. A total loss means the agreed value, in the Premium tariff without new-for-old deductions.
The Bavaria 45 Cruiser (forty-five) may be second hand, imported or ordered new, and the berth may be at home or abroad: we write it in each of these cases. The international certificate of insurance comes by itself in ten languages, and cover taken out before the handover already includes transport and the first launch.
Not to be mixed up with its sisters: this is the Bavaria 45 Cruiser, number forty-five.
What is a used Bavaria 45 Cruiser worth?
A used Bavaria 45 Cruiser built between 2009 and 2014 in average condition is typically worth
between €94,900 and €140,300 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2014 | €110,300 to €140,300 | €125,300 |
| 2013 | €104,500 to €132,900 | €118,700 |
| 2012 | €100,500 to €127,900 | €114,200 |
| 2011 | €100,500 to €127,900 | €114,200 |
| 2010 | €96,900 to €123,300 | €110,100 |
| 2009 | €94,900 to €120,700 | €107,800 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 45 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 45 Cruiser.
Market today
For sale in October 2026
14
Typical asking price, 2012 boat
€114,700
Our value, 2012 boat
€114,200
Asking prices against our value
+0%
In October 2026 we found 14 boats of the Bavaria 45 Cruiser for sale.
Typical asking price for a 2012 Bavaria 45 Cruiser: €114,700.
Our value for a Bavaria 45 Cruiser of that year: €114,200.
Asking prices and value of the Bavaria 45 Cruiser 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 15 boats of the Bavaria 45 Cruiser we found for sale most recently.
2014
14.27 m, Croatia
2013
14.27 m, Croatia
2013
14.27 m, Croatia
2013
14.27 m, Croatia
2013
Italy
2012
14.27 m, Croatia
2012
14.22 m, Croatia
2012
14.27 m, Croatia
2012
Croatia
2012
13.60 m, United Kingdom
2011
Croatia
2011
13.60 m, United Kingdom
2011
13.60 m, Turkey
2010
14.27 m, Croatia
2010
13.60 m, United Kingdom
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 45 Cruiser?
Yes, the Bavaria 45 Cruiser (forty-five) is insurable with us.
What decides is not make and model but five figures: type of boat, year, value,
engine output and cruising area.
What does cover for a Bavaria 45 Cruiser cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Bavaria 45 Cruiser at the usual market value of €114,000 the premium is €1,565 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 €1,446, liability for €119.
Tariff as of 18.10.2026, your own boat may differ.
What your Bavaria 45 Cruiser (forty-five) costs exactly you can work out online in a few minutes,
and you need no contact details to do it.
My model is spelled slightly differently, does this page still apply?
Yes.
The Bavaria 45 Cruiser (forty-five) appears in papers and brochures under slightly different names.
Premium and cover go by the technical data, and you enter the name as it stands in your papers.
On a total loss, do I get the replacement value?
Yes, provided you have full cover:
we pay the agreed value for the Bavaria 45 Cruiser (forty-five),
in Premium without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service handles the cancellation of the existing contract for the Bavaria 45 Cruiser
(forty-five) free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Bavaria 45 Cruiser insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
