Bavaria 820 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 820 (eight hundred twenty): 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
€308 a year
or €26 a month if paid monthly
Liability and hull, boat value €9,000 (market value), North Sea, Baltic and Mediterranean
Finance, example
€82 a month
Worked example, not a finance offer: purchase price €9,000 (market value), 20% deposit, 10 years, 6.9% interest assumed. The lender decides on the rate and on approval.
Technical data
Length overall
8.10 m
Length from our boat catalogue for the 1979–1991 build years.
Beam and engine are in your papers; what they record is what counts.
Bavaria 820: cover, cost and conditions
How much does the name Bavaria 820 (eight hundred twenty) 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 820 (eight hundred twenty)? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Bavaria 820 at the usual market value of €9,000 the premium is €308 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 35 m² of sail, hull excess €250, paid annually. Hull cover accounts for €219, liability for €89. 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 820 (eight hundred twenty) 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 820, number eight hundred twenty.
What is a used Bavaria 820 worth?
A used Bavaria 820 built between 1982 and 1988 in average condition is typically worth between
€6,900 and €12,800 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1988 | €10,100 to €12,800 | €11,400 |
| 1987 | €9,400 to €12,000 | €10,700 |
| 1986 | €9,000 to €11,400 | €10,200 |
| 1985 | €8,200 to €10,400 | €9,300 |
| 1984 | €8,000 to €10,200 | €9,100 |
| 1983 | €7,500 to €9,500 | €8,500 |
| 1982 | €6,900 to €8,900 | €7,900 |
With agreed-value cover, the agreed sum counts after a total loss of your Bavaria 820;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 6% off the value of a Bavaria 820.
Market today
For sale in October 2026
3
Typical asking price, 1985 boat
€8,200
Our value, 1985 boat
€9,300
Asking prices against our value
−12%
In October 2026 we found 3 boats of the Bavaria 820 for sale.
Typical asking price for a 1985 Bavaria 820: €8,200.
Our value for a Bavaria 820 of that year: €9,300.
The Bavaria 820 is offered about 12% 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 3 boats of the Bavaria 820 we found for sale most recently.
1986
Germany
1984
8.20 m, Germany
1984
Germany
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 820?
Yes, the Bavaria 820 (eight hundred twenty) 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 820 cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Bavaria 820 at the usual market value of €9,000 the premium is €308 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 35 m² of sail,
hull excess €250, paid annually.
Hull cover accounts for €219, liability for €89.
Tariff as of 18.10.2026, your own boat may differ.
What your Bavaria 820 (eight hundred twenty) 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 820 (eight hundred twenty) 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 820 (eight hundred twenty),
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 820 (eight
hundred twenty) free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Bavaria 820 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
