Beneteau First 285 insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Beneteau First 285 (two hundred eighty-five) as a sailing yacht, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
- Make
- Beneteau
- Type of boat
- sailing yacht
- Length overall
- 8.77 m
- Built
- 1983 to 1996
Length from our boat catalogue for the 1983–1996 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€480 a year
or €43 a month if paid monthly
Liability and hull · boat value €18,000 (market value) · built 1990 · North Sea, Baltic and Mediterranean
Finance, example
€165 a month
Purchase price €18,000 (market value) · 20% deposit · 10 years · 6.9% interest assumed
Worked example, not a finance offer. The lender decides on the rate and on approval.
Beneteau First 285: cover, cost and conditions
Beneteau First 285 (two hundred eighty-five): for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.
What does cover for a Beneteau First 285 (two hundred eighty-five) cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau First 285 at the usual market value of €18,000 the premium is €480 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 €391, liability for €89. Tariff as of 20.10.2026, your own boat may differ. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.
Bought used, imported or ordered new: we write the Beneteau First 285 (two hundred eighty-five) with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.
Not to be mixed up with its sisters: this is the Beneteau First 285,
number two hundred eighty-five.
What is a used Beneteau First 285 worth?
A used Beneteau First 285 built between 1986 and 1993 in average condition is typically worth
between €13,600 and €24,400 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1993 | €19,200 to €24,400 | €21,800 |
| 1992 | €18,500 to €23,500 | €21,000 |
| 1991 | €17,900 to €22,700 | €20,300 |
| 1990 | €15,600 to €19,900 | €17,700 |
| 1989 | €16,200 to €20,600 | €18,400 |
| 1988 | €15,100 to €19,300 | €17,200 |
| 1987 | €14,200 to €18,100 | €16,100 |
| 1986 | €13,600 to €17,400 | €15,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau First 285;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 5% off the value of a Beneteau First 285.
Market today
For sale in October 2026
7
Typical asking price, 1990 boat
€19,300
Our value, 1990 boat
€17,700
Asking prices against our value
+9%
In October 2026 we found 7 boats of the Beneteau First 285 for sale.
Typical asking price for a 1990 Beneteau First 285: €19,300.
Our value for a Beneteau First 285 of that year: €17,700.
Asking prices for the Beneteau First 285 are about 9% 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 Beneteau First 285 we found for sale most recently.
1990
8.30 m, United Kingdom
1989
8.50 m, United Kingdom
1989
8.30 m, United Kingdom
1989
8.50 m, United Kingdom
1989
8.23 m, United Kingdom
1989
United Kingdom
1989
8.77 m, France
1987
8.58 m, United Kingdom
Take care with prices far below the market: fraud does occur.
Never pay in advance, see the boat in person and check papers and ownership.
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 Beneteau First 285?
Yes.
Neither the make nor the model decides whether the Beneteau First 285 (two hundred eighty-five) is
insurable.
What counts is the type of boat, its year, its value, its engine output and the waters you sail.
What does cover for a Beneteau First 285 cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Beneteau First 285 at the usual market value of €18,000 the premium is €480 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 €391, liability for €89.
Tariff as of 20.10.2026, your own boat may differ.
The exact premium takes a few minutes in the online calculator, with no contact details required.
My model is spelled slightly differently, does this page still apply?
Yes.
Spellings and suffixes of the Beneteau First 285 (two hundred eighty-five) vary with the papers
and the model year.
Enter the name as it appears in your documents; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover, yes: the Beneteau First 285 (two hundred eighty-five) is settled at the agreed
value,
and in the Premium tariff without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service cancels the old contract for your Beneteau First 285 (two hundred
eighty-five) free of charge, you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Beneteau First 285 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
