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Insuring Bella / Flipper: cover and premium

motorboats and sports boats · Finland

Bella / Flipper builds motorboats and sports boats in Finland. NAMMERT insures a Bella / Flipper regardless of year built or where you bought it, liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.

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At a glance

Origin

Finland

Class

motorboats and sports boats

Typical sizes

5 to 9 m

Premium from

from €49 a year for liability

Worth knowing

Bella 500 bis 800

Flipper 600 bis 900

Bella / Flipper; cover, cost and conditions

Bella and Flipper are Finnish production brands for GRP boats between 5 and 9 metres, bowriders, console boats and day cruisers, mostly with an outboard. They are the classic family boats of the Nordic countries, robust and with a good resale value. This very resale value is the reason not to insure the boat on a depreciated value basis: used Bella and Flipper boats hold their price better than the depreciation table assumes.

With family boats one module comes into play that is overlooked on sports boats: the personal accident cover, which includes the family from Basis-Plus and everyone on board in Premium. It pays in the event of disability and death regardless of the question of fault, even when nobody is liable, for example after a fall on board or while swimming from the boat. For family use with children on board, this is the module that closes the actual gap that third-party liability and hull insurance leave open.

Questions and answers

Frequent questions

What does the personal accident cover include that third-party liability does not?

For Bella / Flipper: Third-party liability pays third parties when you are liable.

The personal accident cover pays the insured persons on board,

in Premium all authorised occupants, even without any liability,

for example after a fall on board or while swimming from the boat.

The cover that fits

For Bella / Flipper: What matters for motorboats and sports boats is the same across every brand;

engine output, how a claim is settled, cruising range and theft protection.

The class page lists every point and every brand in this class, Bella / Flipper included.

Insuring motorboats and sports boats, every brand and every condition

Other builders in this class

Atlantic Marine Avila Marine Axopar B1 Yachts Baha Baja Marine Banta Bavaria Bayliner Bayside Beachcraft Beekmann Berkut Bertram Bester Boesch Bootsbau Killermann Boston Whaler Brema Brunswick Bwc BWC Illmensee BWC Ilmensee CAD Marine

Directory of all makes from A to Z

Nautical information What counts before you cast off, papers, equipment, waters

Licence

A powerboat licence (inland or coastal) is required from 15 hp (11.03 kW).

Registration

Registration from 3 hp; for trips abroad carry the boat certificate or flag document.

Waters

Inland, coastal and abroad; plan fairways, bridge clearances, draught and tides.

Equipment

Lifesaving gear, fire extinguisher, anchor, signalling equipment and correct navigation lights.

Cruising range

The agreed cruising range is stated in the policy and can be extended at any time.

Weather

Check wind force in Beaufort and wind direction before casting off, and allow for gusts.

General guidance, not a complete account;

what governs are the rules of the waters you are on and the manual of your Bella / Flipper.

Current wind force and direction for your waters are shown on the Home.

Series by Bella / Flipper, with value and cover

Flipper 600 / 670 (classic)

Flipper 600 / 670 (classic) is a motorboat from Bella / Flipper (Finland), built from 1972 to 1998,

and today changes hands at between €6,000 and €26,000.

Bella 600 / 700

Bella 600 / 700 is a motorboat from Bella / Flipper (Finland), built since 2005,

and today changes hands at between €25,000 and €90,000.

Flipper 640 / 900

Flipper 640 / 900 is a motorboat from Bella / Flipper (Finland), built since 2005,

and today changes hands at between €35,000 and €190,000.

Flipper 600

Also a motorboat, built since 2005, €22,000 to €80,000.

Bella 490 R / 512 Excel

Bella 490 R / 512 Excel is a motorboat from Bella / Flipper (Finland), built from 1995 to 2018,

and today changes hands at between €6,000 and €22,000.

Bella 561 HT / 570 C / 703

Bella 561 HT / 570 C / 703 is a motorboat from Bella / Flipper (Finland), built from 2000 to 2022,

and today changes hands at between €14,000 and €52,000.

Bella 600 / 700 Raid und Patrol

Bella 600 / 700 Raid und Patrol is a motorboat from Bella / Flipper (Finland), built since 2015,

and today changes hands at between €45,000 and €125,000.

Flipper 640 / 900 DC und ST

Flipper 640 / 900 DC und ST is a motorboat from Bella / Flipper (Finland), built since 2012,

and today changes hands at between €55,000 and €215,000.

What this means for the cover

For the Flipper 600 / 670 (classic) by Bella / Flipper series there is no list price left.

That is why we work with an agreed value: you state the figure, we agree it,

and in a total loss exactly that amount is paid, with no deduction for wear.

As the Bella 600 / 700, Flipper 640 / 900,

Flipper 600 by Bella / Flipper and 2 more series are still in production,

parts are available and repair costs are predictable.

Even so, value it at replacement cost including retrofitted electronics, not at list price.

For the Bella 490 R / 512 Excel and Bella 561 HT / 570 C / 703 by Bella / Flipper series the

market value and the replacement cost often differ widely.

An agreed value removes the age-based scale, and the figure in the policy stands.

For the Flipper 600 / 670 (classic), Bella 600 / 700,

Flipper 640 / 900 by Bella / Flipper and further series:

On a motorboat the drive is the single most valuable part.

Damage after grounding is covered, an engine failure from wear is not.

All series at a glance

The Bella / Flipper range in figures

These figures come from the model records we keep for Bella / Flipper: boat type,

build years and length, nothing estimated.

motorboat: 148 models, since 1969, mostly 4.9 to 7.5 m
motor yacht: 46 models, since 1976, mostly 7.7 to 9.9 m
sailing boat: 1 model, 1973 to 1980, 4 m

Which model was built when?

Sailing boat Motorboat RIBEach bar is one Bella / Flipper model, running from its first to its last year of build. The colour shows the type of boat. Showing 24 of 195 models.

What does a used Bella / Flipper cost?

We hold today’s price ranges by year for 189 models by Bella / Flipper.

The table shows what boats in average condition are worth,

from the oldest to the youngest year on record.

Choose your exact model, year and condition in the calculator.

Model	Years built	Range today
Aquador 21 WA	2000 to 2011	€15,000 to €30,800
Aquador 21 WAE	2016	€30,100 to €38,300
Aquador 22 Cabin	2015 to 2016	€38,600 to €52,200
Aquador 22 Coupe	1995 to 2002	€15,800 to €28,000
Aquador 22 HT	1999 to 2004	€18,100 to €25,900
Aquador 22 WAE	2016 to 2019	€32,500 to €55,000
Aquador 23 Cabin	2000 to 2001	€18,300 to €24,700
Aquador 23 DC	2004 to 2016	€22,200 to €57,400
Aquador 23 HT	2000 to 2016	€18,700 to €59,300
Aquador 23 WA	2000 to 2010	€18,300 to €45,100
Aquador 24 Coupe	2000 to 2002	€26,000 to €38,900
Aquador 24 DC	2017 to 2019	€49,900 to €77,200
Aquador 24 HT	2017 to 2019	€49,900 to €77,200
Aquador 25 Cabin	1999 to 2010	€24,300 to €43,000
Aquador 25 CE	2016	€63,300 to €80,500
Aquador 25 DC	2019 to 2023	€57,500 to €96,100
Aquador 25 HT	2019 to 2023	€58,500 to €96,700
Aquador 25 WA	2000 to 2016	€21,800 to €80,600
Aquador 250 HT	2022 to 2024	€73,900 to €102,200
Aquador 26 DC	1999 to 2010	€30,200 to €73,200
Aquador 26 HT	1995 to 2010	€27,200 to €73,200
Aquador 26 T	1995 to 1997	€30,400 to €40,800
Aquador 27 DC	2016 to 2019	€59,800 to €109,300
Aquador 27 HT	2016 to 2019	€58,300 to €106,200
Aquador 28 Cabin	2006 to 2016	€55,200 to €111,500
Aquador 28 DC	2000 to 2023	€30,100 to €202,300
Aquador 28 HT	2000 to 2010	€30,100 to €84,000
Aquador 28 HT	2019 to 2023	€97,800 to €157,200
Aquador 28 WA	2000 to 2001	€30,100 to €39,300
Aquador 30 DC	2016 to 2019	€70,900 to €129,500
Aquador 30 HT	2018 to 2021	€112,600 to €186,700
Aquador 30 S	1995 to 1997	€43,800 to €59,500
Aquador 30 ST	2016 to 2019	€72,600 to €127,300
Aquador 300 HT	2023	€158,100 to €201,300
Aquador 31 Coupe	2000 to 2002	€47,600 to €64,600
Aquador 32 Cabin	2000 to 2016	€55,200 to €138,200
Aquador 32 Fly	2000 to 2001	€55,200 to €74,700
Aquador 32 WA	2000 to 2001	€55,200 to €74,700
Aquador 33 HT	2013 to 2015	€94,400 to €135,000
Aquador 35 AQ	2017 to 2023	€131,800 to €286,600
Aquador 35 ST	2016 to 2019	€111,900 to €215,400
Aquador 35C	2016	€100,900 to €128,500
Aquador 35HT	2016 to 2017	€111,900 to €162,600
Bella 26 Falcon	2005 to 2009	€30,800 to €45,100
Bella 440	1984 to 1985	€4,000 to €5,000
Bella 440 R	1993 to 2009	€4,100 to €9,800
Bella 441 R	2010 to 2014	€7,000 to €9,500
Bella 444 R	2000 to 2006	€5,100 to €8,200
Bella 450 FR	1995 to 2009	€4,500 to €9,800
Bella 471 R	2010 to 2014	€9,400 to €13,000
Bella 480 R	1995 to 1998	€5,200 to €7,200
Bella 485 BR	2016	€12,500 to €15,900
Bella 485 R	2018 to 2024	€14,300 to €30,100
Bella 490 DC	1993 to 1995	€4,800 to €6,500
Bella 490 R	1993 to 2010	€5,600 to €13,300
Bella 500 BR	2016 to 2024	€15,500 to €37,200
Bella 500 R	2010 to 2014	€11,400 to €15,800
Bella 510 R	1996 to 2010	€5,700 to €15,600
Bella 512 Europa	1996 to 2010	€7,200 to €16,000
Bella 512 Excel	1998 to 2010	€6,600 to €16,300
Bella 530	1982 to 1997	€4,200 to €7,300
Bella 530 Excel	2006 to 2009	€12,700 to €17,700
Bella 530 HT	1996 to 2009	€6,500 to €11,100
Bella 530 HT Classic	1998 to 2014	€6,300 to €12,300
Bella 530 Smart	2009 to 2014	€11,600 to €17,500
Bella 550 BR	2016 to 2024	€18,900 to €43,900
Bella 550 R	2024	€28,500 to €36,300
Bella 560 HT	2010 to 2014	€13,300 to €18,800
Bella 561 F	1994 to 1997	€7,400 to €9,800
Bella 561 HT	1993 to 2014	€7,200 to €19,600
Bella 570	1985 to 1994	€6,200 to €9,300
Bella 570 C	1993 to 1997	€7,100 to €10,700
Bella 570 DC	2007 to 2014	€16,200 to €26,800
Bella 571	1996 to 2001	€8,500 to €12,100
Bella 571 C	2000 to 2003	€9,600 to €16,100
Bella 572 C	2003 to 2014	€12,700 to €21,100
Bella 580 C	2010 to 2017	€15,300 to €27,600
Bella 581 L	1996 to 1997	€8,600 to €11,900
Bella 600 BR	2015 to 2024	€23,100 to €53,400
Bella 600 Ocean	2005 to 2014	€17,300 to €27,900
Bella 600 R	2016 to 2024	€24,500 to €53,500
Bella 600 Twin	2006 to 2014	€18,100 to €28,100
Bella 601 HT	1992 to 1995	€9,600 to €12,700
Bella 612 Excel	2001 to 2010	€16,700 to €26,100
Bella 620 C	2017 to 2024	€29,300 to €60,500
Bella 620 DC	2003 to 2018	€17,500 to €37,100
Bella 620 HT	2004 to 2019	€17,500 to €36,600
Bella 621 DC	2007 to 2014	€19,500 to €29,800
Bella 630	1991 to 1994	€13,700 to €17,900
Bella 640 C	1993 to 1999	€12,600 to €19,900
Bella 640 DC	2005 to 2024	€17,500 to €71,600
Bella 640 HT	1993 to 1995	€10,900 to €14,700
Bella 641 HT	1992 to 2002	€12,400 to €18,600
Bella 641 Ocean	1999 to 2002	€13,300 to €18,400
Bella 641 R	1993 to 1994	€15,700 to €20,300
Bella 642 HT	1999 to 2003	€15,100 to €23,300
Bella 650	1993 to 1998	€14,000 to €20,400
Bella 651	1998 to 2002	€16,100 to €22,300
Bella 652	1999 to 2014	€14,700 to €30,300
Bella 655	2000 to 2014	€17,600 to €43,900
Bella 685	1984 to 1985	€17,800 to €22,700
Bella 700 BR	2016 to 2019	€34,900 to €56,500
Bella 700 Patrol	2015 to 2023	€31,800 to €75,800
Bella 700 Raid	2016 to 2023	€33,300 to €75,800
Bella 7000 AC	1993 to 1995	€12,100 to €16,400
Bella 7000 Sunmar	1998 to 2009	€15,900 to €32,600
Bella 7002	1994 to 2002	€14,400 to €22,800
Bella 702	1996 to 2004	€13,100 to €24,400
Bella 703	2004 to 2014	€19,600 to €36,200
Bella 7500	1993 to 1995	€15,800 to €21,300
Bella 7501	1993 to 1995	€16,100 to €21,600
Bella 760	2004 to 2009	€23,900 to €38,000
Bella 765	2006 to 2014	€31,900 to €65,800
Bella 800	1984 to 1985	€14,200 to €18,200
Bella 800 Delphin	1998 to 2005	€24,200 to €46,000
Bella 8000 Sunmar	1999	€26,400 to €33,600
Bella 8002	1993 to 1995	€18,500 to €27,600
Bella 8100 Combi	1999 to 2005	€26,800 to €51,600
Bella 8100 Sunmar	1999 to 2002	€27,200 to €47,800
Bella 850	2001 to 2014	€26,900 to €77,000