Beneteau Oceanis 38 insurance: calculate your premium
Model page, insured as a sailing yacht
If you own a Beneteau Oceanis 38 (thirty-eight), you insure it with us as a sailing yacht, however old it is, wherever it was bought and through however many hands it passed. Liability, hull, legal expenses and personal accident come from one house and are arranged online in five minutes.
At a glance
- Make
- Beneteau
- Type of boat
- sailing yacht
- Length overall
- 11.50 m
- Built
- 2009 to 2020
Length from our boat catalogue for the 2009–2020 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,395 a year
or €127 a month if paid monthly
Liability and hull · boat value €103,000 (market value) · built 2018 · North Sea, Baltic and Mediterranean
Finance, example
€944 a month
Purchase price €103,000 (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 Oceanis 38: cover, cost and conditions
Five figures decide what cover for the Beneteau Oceanis 38 (thirty-eight) costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Beneteau Oceanis 38 (thirty-eight) the premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis 38 at the usual market value of €103,000 the premium is €1,395 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail, hull excess €500, paid annually. Hull cover accounts for €1,306, liability for €89. Tariff as of 21.10.2026, your own boat may differ; the hull share follows the value. Partial cover insures fire, storm, lightning, theft of the whole boat and winter storage damage, full cover adds collision, grounding, vandalism and theft of parts. On a total loss the agreed value applies, in Premium with no deduction for new-for-old.
Berth in Germany or abroad, bought from a dealer, privately or imported: for the Beneteau Oceanis 38 (thirty-eight) it makes no difference to us. The international certificate of insurance comes automatically in ten languages. Start cover before the handover and transport and the first launch are included straight away.
Not to be mixed up with its sisters: this is the Beneteau Oceanis 38, number thirty-eight.
What is a used Beneteau Oceanis 38 worth?
A used Beneteau Oceanis 38 built between 2012 and 2018 in average condition is typically worth
between €80,900 and €133,400 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2018 | €90,700 to €115,500 | €103,100 |
| 2017 | €104,800 to €133,400 | €119,100 |
| 2016 | €97,700 to €124,300 | €111,000 |
| 2015 | €91,100 to €115,900 | €103,500 |
| 2014 | €88,700 to €112,900 | €100,800 |
| 2013 | €83,600 to €106,400 | €95,000 |
| 2012 | €80,900 to €102,900 | €91,900 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis 38;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 2% off the value of a Beneteau Oceanis 38.
Market today
For sale in October 2026
9
Typical asking price, 2015 boat
€122,100
Our value, 2015 boat
€103,500
Asking prices against our value
+18%
In October 2026 we found 9 boats of the Beneteau Oceanis 38 for sale.
Typical asking price for a 2015 Beneteau Oceanis 38: €122,100.
Our value for a Beneteau Oceanis 38 of that year: €103,500.
Asking prices for the Beneteau Oceanis 38 are about 18% 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 19 boats of the Beneteau Oceanis 38 we found for sale most recently.
2018
11.50 m, Croatia
2018
11.50 m, Croatia
2018
11.50 m, Croatia
2018
international
2018
11.13 m, Croatia
2018
11.89 m, United Kingdom
2018
11.55 m, United Kingdom
2016
11.50 m, Croatia
2016
11.28 m, United Kingdom
2016
Croatia
2016
11.13 m, United Kingdom
2016
11.50 m, Italy
2016
Denmark
2015
international
2014
Germany
2014
11.50 m, international
2021
United Kingdom
year newer than our values
€192,465
Listing on ancasta.com ↗2020
11.50 m, France
year newer than our values
€180,000
Listing on yachtall.com ↗2019
11.80 m, Greece
year newer than our values
€95,000
Listing on yachtall.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 Oceanis 38?
Yes.
For accepting the Beneteau Oceanis 38 (thirty-eight) we look at type of boat, year, value,
engine output and cruising area; make and model alone rule nothing out.
What does cover for a Beneteau Oceanis 38 cost?
The premium for the Beneteau Oceanis 38 (thirty-eight) starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Beneteau Oceanis 38 at the usual market value of €103,000 the premium is €1,395 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail,
hull excess €500, paid annually.
Hull cover accounts for €1,306, liability for €89.
Tariff as of 21.10.2026, your own boat may differ.
The online calculator tells you the exact figure in a couple of minutes,
with no name or phone number asked.
My model is spelled slightly differently, does this page still apply?
Yes.
Suffixes and spellings of the Beneteau Oceanis 38 (thirty-eight) change with the year and the
documents.
Write the name as in your papers; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover the agreed value applies to the Beneteau Oceanis 38 (thirty-eight):
the claim is settled at that value,
in the Premium tariff without limit and with no new-for-old deduction.
Can I switch from my existing insurer?
Yes, free of charge through the switching service:
we cancel the old contract on your Beneteau Oceanis 38 (thirty-eight),
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Beneteau Oceanis 38 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
