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Beneteau First 38 S 5 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 Beneteau First 38 S 5 (thirty-eight): 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
- Beneteau
- Type of boat
- sailing yacht
- Length overall
- 11.70 m
- Built
- 1986 to 1998
Length from our boat catalogue for the 1986–1998 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,118 a year
or €101 a month if paid monthly
Liability and hull · boat value €46,000 (market value) · built 1992 · North Sea, Baltic and Mediterranean
Finance, example
€421 a month
Purchase price €46,000 (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 38 S 5: cover, cost and conditions
How much does the name Beneteau First 38 S 5 (thirty-eight) 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 Beneteau First 38 S 5 (thirty-eight)? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau First 38 S 5 at the usual market value of €46,000 the premium is €1,118 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail, hull excess €250, paid annually. Hull cover accounts for €999, liability for €119. Tariff as of 21.10.2026, 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 Beneteau First 38 S 5 (thirty-eight) 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 Beneteau First 38 S 5, number thirty-eight.
What is a used Beneteau First 38 S 5 worth?
A used Beneteau First 38 S 5 built between 1989 and 1995 in average condition is typically worth
between €37,400 and €55,600 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1995 | €43,700 to €55,600 | €49,700 |
| 1994 | €42,500 to €54,100 | €48,300 |
| 1993 | €41,500 to €52,800 | €47,100 |
| 1992 | €40,000 to €51,000 | €45,500 |
| 1991 | €39,000 to €49,600 | €44,300 |
| 1990 | €37,700 to €48,100 | €42,900 |
| 1989 | €37,400 to €47,600 | €42,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau First 38 S 5;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 3% off the value of a Beneteau First 38 S 5.
Market today
For sale in October 2026
4
Typical asking price, 1992 boat
€43,600
Our value, 1992 boat
€45,500
Asking prices against our value
−4%
In October 2026 we found 4 boats of the Beneteau First 38 S 5 for sale.
Typical asking price for a 1992 Beneteau First 38 S 5: €43,600.
Our value for a Beneteau First 38 S 5 of that year: €45,500.
The Beneteau First 38 S 5 is offered about 4% 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 4 boats of the Beneteau First 38 S 5 we found for sale most recently.
1993
international
1991
Netherlands
1990
11.70 m, United Kingdom
1987
Denmark
year newer than our values
€47,030
Listing on scanboat.com ↗
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 38 S 5?
Yes, the Beneteau First 38 S 5 (thirty-eight) 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 Beneteau First 38 S 5 cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Beneteau First 38 S 5 at the usual market value of €46,000 the premium is €1,118 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail,
hull excess €250, paid annually.
Hull cover accounts for €999, liability for €119.
Tariff as of 21.10.2026, your own boat may differ.
What your Beneteau First 38 S 5 (thirty-eight) 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 Beneteau First 38 S 5 (thirty-eight) 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 Beneteau First 38 S 5 (thirty-eight),
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 Beneteau First 38
S 5 (thirty-eight) free of charge;
you pay from the end date and keep the switching discount for good.
Other models by this make
Beneteau First 38 S 5 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
