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Beneteau First 45 F 5 insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Beneteau First 45 F 5 (forty-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
- 13.90 m
- Built
- 1983 to 2000
Length from our boat catalogue for the 1983–2000 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,575 a year
or €143 a month if paid monthly
Liability and hull · boat value €82,000 (market value) · built 1993 · North Sea, Baltic and Mediterranean
Finance, example
€751 a month
Purchase price €82,000 (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 45 F 5: cover, cost and conditions
Beneteau First 45 F 5 (forty-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 45 F 5 (forty-five) cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau First 45 F 5 at the usual market value of €82,000 the premium is €1,575 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail, hull excess €500, paid annually. Hull cover accounts for €1,456, liability for €119. 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 45 F 5 (forty-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 45 F 5, number forty-five.
What is a used Beneteau First 45 F 5 worth?
A used Beneteau First 45 F 5 built between 1986 and 1997 in average condition is typically worth
between €64,000 and €117,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1997 | €92,300 to €117,500 | €104,900 |
| 1996 | €77,300 to €98,500 | €87,900 |
| 1995 | €75,900 to €96,600 | €86,200 |
| 1994 | €73,700 to €93,800 | €83,700 |
| 1993 | €72,300 to €92,100 | €82,200 |
| 1992 | €70,200 to €89,400 | €79,800 |
| 1991 | €69,300 to €88,200 | €78,700 |
| 1990 | €67,100 to €85,500 | €76,300 |
| 1986 | €64,000 to €81,400 | €72,700 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau First 45 F 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 45 F 5.
Market today
For sale in October 2026
8
Typical asking price, 1993 boat
€89,400
Our value, 1993 boat
€82,200
Asking prices against our value
+9%
In October 2026 we found 8 boats of the Beneteau First 45 F 5 for sale.
Typical asking price for a 1993 Beneteau First 45 F 5: €89,400.
Our value for a Beneteau First 45 F 5 of that year: €82,200.
Asking prices for the Beneteau First 45 F 5 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 45 F 5 we found for sale most recently.
1995
Spain
1993
14.20 m, United Kingdom
1991
Belgium
1991
14.20 m, Portugal
1990
Greece
1990
14.20 m, United Kingdom
1990
United Kingdom
1990
14.20 m, Netherlands
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 45 F 5?
Yes.
Neither the make nor the model decides whether the Beneteau First 45 F 5 (forty-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 45 F 5 cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Beneteau First 45 F 5 at the usual market value of €82,000 the premium is €1,575 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail,
hull excess €500, paid annually.
Hull cover accounts for €1,456, liability for €119.
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 45 F 5 (forty-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 45 F 5 (forty-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 45 F 5 (forty-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 45 F 5 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
