Beneteau First 405 insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Beneteau First 405 (four hundred 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
- 11.99 m
- Built
- 1967 to 1992
Length from our boat catalogue for the 1967–1992 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,139 a year
or €103 a month if paid monthly
Liability and hull · boat value €47,000 (market value) · built 1986 · North Sea, Baltic and Mediterranean
Finance, example
€431 a month
Purchase price €47,000 (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 405: cover, cost and conditions
Beneteau First 405 (four hundred 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 405 (four hundred five) cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau First 405 at the usual market value of €47,000 the premium is €1,139 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 €1,020, liability for €119. Tariff as of 21.10.2026, 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 405 (four hundred 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 405, number four hundred five.
What is a used Beneteau First 405 worth?
A used Beneteau First 405 built between 1970 and 1989 in average condition is typically worth
between €40,600 and €57,300 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1989 | €45,100 to €57,300 | €51,200 |
| 1988 | €43,900 to €55,900 | €49,900 |
| 1987 | €42,600 to €54,200 | €48,400 |
| 1986 | €41,600 to €53,000 | €47,300 |
| 1985 | €40,600 to €51,700 | €46,100 |
| 1978 | €41,600 to €53,000 | €47,300 |
| 1970 | €40,900 to €52,100 | €46,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau First 405;
with actual-value cover, the value at the time.
Does your sum still fit?
Market today
For sale in October 2026
6
Typical asking price, 1986 boat
€47,900
Our value, 1986 boat
€47,300
Asking prices against our value
+1%
In October 2026 we found 6 boats of the Beneteau First 405 for sale.
Typical asking price for a 1986 Beneteau First 405: €47,900.
Our value for a Beneteau First 405 of that year: €47,300.
Asking prices and value of the Beneteau First 405 are close together.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 6 boats of the Beneteau First 405 we found for sale most recently.
1989
12.46 m, United Kingdom
1988
11.15 m, United Kingdom
1987
12.19 m, United Kingdom
1987
11.99 m, international
1987
international
1986
Denmark
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 405?
Yes.
Neither the make nor the model decides whether the Beneteau First 405 (four hundred 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 405 cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Beneteau First 405 at the usual market value of €47,000 the premium is €1,139 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 €1,020, liability for €119.
Tariff as of 21.10.2026, 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 405 (four hundred 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 405 (four hundred 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 405 (four hundred 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 405 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
