Bavaria 49 insurance: calculate your premium
Model page, insured as a sailing yacht
For us the Bavaria 49 (forty-nine) 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.
At a glance
Make
Type of boat
sailing yacht
Premium, example
€1,429 a year
or €129 a month if paid monthly
Liability and hull, boat value €97,000 (market value), North Sea, Baltic and Mediterranean
Finance, example
€889 a month
Worked example, not a finance offer: purchase price €97,000 (market value), 20% deposit, 10 years, 6.9% interest assumed. The lender decides on the rate and on approval.
Technical data
Length overall
15.40 m
Length from our boat catalogue for the 1999–2008 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 49: cover, cost and conditions
The premium for the Bavaria 49 (forty-nine) 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 49 (forty-nine) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 49 at the usual market value of €97,000 the premium is €1,429 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 150 m² of sail, hull excess €500, paid annually. Hull cover accounts for €1,230, liability for €199. Tariff as of 18.10.2026, 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 49 (forty-nine) 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 49, number forty-nine.
What is a used Bavaria 49 worth?
A used Bavaria 49 built between 2002 and 2005 in average condition is typically worth between
€80,900 and €109,200 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2005 | €85,800 to €109,200 | €97,500 |
| 2004 | €84,900 to €108,100 | €96,500 |
| 2003 | €85,600 to €108,900 | €97,300 |
| 2002 | €80,900 to €102,900 | €91,900 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 49;
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 49.
Market today
For sale in October 2026
8
Typical asking price, 2004 boat
€113,600
Our value, 2004 boat
€96,500
Asking prices against our value
+18%
In October 2026 we found 8 boats of the Bavaria 49 for sale.
Typical asking price for a 2004 Bavaria 49: €113,600.
Our value for a Bavaria 49 of that year: €96,500.
Asking prices for the Bavaria 49 are about 18% 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 8 boats of the Bavaria 49 we found for sale most recently.
2005
15.40 m, Italy
2004
15.39 m, Italy
2004
14.94 m, Sweden
2004
France
2004
14.95 m, United Kingdom
2003
14.93 m, Greece
2003
14.95 m, Italy
2003
15.49 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 49?
Yes.
We accept a Bavaria 49 (forty-nine) like any other boat: type of boat, year, value,
engine output and cruising area decide, not the builder.
What does cover for a Bavaria 49 cost?
Cover for the Bavaria 49 (forty-nine) starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Bavaria 49 at the usual market value of €97,000 the premium is €1,429 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 150 m² of sail,
hull excess €500, paid annually.
Hull cover accounts for €1,230, liability for €199.
Tariff as of 18.10.2026, 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 49 (forty-nine) 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 49 (forty-nine) 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 49 (forty-nine) 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 49 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
