Bavaria S 40 HT insurance: calculate your premium
Model page, insured as a motorboat
The Bavaria S 40 HT (forty) is insurable with us as a motorboat, 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
Bavaria S 40 HT: cover, cost and conditions
The S 40 HT from Bavaria is recorded as a motorboat and sails in our portfolio, alongside 19 further models of the same brand. Anyone taking over a used unit should not base the insured value on the purchase price, but on what an equivalent replacement costs today.
Full hull cover therefore works with an agreed value. If damage occurs, compensation is paid with no deduction for depreciation, in the Premium tariff with no age limit. Collision, grounding, vandalism and theft of parts including the outboard are included.
Beneath this lies third-party liability with a limit of indemnity of 10 to 50 million euros in the Basis, Basis-Plus and Premium levels. The premium results from the type of boat, value, year of construction, engine output and cruising range. You can take out a policy online up to a sum insured of 2.5 million euros, above that we review each case individually.
What is a used Bavaria S 40 HT worth?
A used Bavaria S 40 HT built between 2016 and 2021 in average condition is typically worth between
€168,100 and €352,800 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2021 | €277,200 to €352,800 | €315,000 |
| 2020 | €250,600 to €319,000 | €284,800 |
| 2019 | €255,500 to €325,100 | €290,300 |
| 2018 | €210,000 to €267,300 | €238,600 |
| 2017 | €184,600 to €235,000 | €209,800 |
| 2016 | €168,100 to €213,900 | €191,000 |
Does the sum insured on your Bavaria S 40 HT still match what it is worth today?
After a total loss, that number is what counts.
Estimate from our boat records, October 2026. Not a survey.
Frequently asked
Why is an agreed value arranged?
For the Bavaria S 40 HT: The agreed value fixes the agreed sum,
so that nothing has to be renegotiated in the event of a claim.
Compensation is paid with no deduction for depreciation, in the Premium tariff with no age limit.
Does the purchase price count as the insured value?
For the Bavaria S 40 HT: What matters is the value that an equivalent replacement requires today.
It can be above or below the purchase price and is recorded in the contract as an agreed value.
Other models by this make
Bavaria S 40 HT insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
