Beneteau Oceanis 40 insurance: calculate your premium
Model page, insured as a sailing yacht
The Beneteau Oceanis 40 (forty) is insurable with us as a sailing yacht, whatever its year, wherever you bought it and however many owners came before you. Liability, hull, legal expenses and personal accident cover sit in one contract, set up online in five minutes.
At a glance
- Make
- Beneteau
- Type of boat
- sailing yacht
- Length overall
- 12.15 m
- Built
- 2003 to 2014
Length from our boat catalogue for the 2003–2014 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,430 a year
or €130 a month if paid monthly
Liability and hull · boat value €94,000 (market value) · built 2010 · North Sea, Baltic and Mediterranean
Finance, example
€861 a month
Purchase price €94,000 (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 40: cover, cost and conditions
For the Beneteau Oceanis 40 (forty) we do not price by model name. The premium comes from five entries in the online calculator: type of boat, year, value, engine output and cruising area.
The premium for a Beneteau Oceanis 40 (forty) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis 40 at the usual market value of €94,000 the premium is €1,430 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 €1,311, liability for €119. Tariff as of 21.10.2026, your own boat may differ. How much hull cover adds depends on the value: partial cover pays for fire, storm, lightning, theft of the whole boat and winter storage damage, full cover also for collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, in Premium with no new-for-old deduction.
Whether bought used, brought in from abroad or ordered new, we write the Beneteau Oceanis 40 (forty) with a berth in Germany or abroad. The international certificate of insurance arrives automatically in ten languages. Take cover out before the handover and transport and the first launch are already insured.
Not to be mixed up with its sisters: this is the Beneteau Oceanis 40, number forty.
What is a used Beneteau Oceanis 40 worth?
A used Beneteau Oceanis 40 built between 2006 and 2011 in average condition is typically worth
between €76,800 and €116,800 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2011 | €85,100 to €108,300 | €96,700 |
| 2010 | €83,500 to €106,300 | €94,900 |
| 2009 | €81,200 to €103,400 | €92,300 |
| 2008 | €78,600 to €100,000 | €89,300 |
| 2007 | €91,800 to €116,800 | €104,300 |
| 2006 | €76,800 to €97,800 | €87,300 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis 40;
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 40.
Market today
For sale in October 2026
14
Typical asking price, 2009 boat
€98,200
Our value, 2009 boat
€92,300
Asking prices against our value
+6%
In October 2026 we found 14 boats of the Beneteau Oceanis 40 for sale.
Typical asking price for a 2009 Beneteau Oceanis 40: €98,200.
Our value for a Beneteau Oceanis 40 of that year: €92,300.
Asking prices for the Beneteau Oceanis 40 are about 6% 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 14 boats of the Beneteau Oceanis 40 we found for sale most recently.
2011
12.19 m, United Kingdom
2011
12.19 m, United Kingdom
2011
12.15 m, Netherlands
2010
12.17 m, United Kingdom
2010
11.82 m, France
2010
11.82 m, Italy
2010
11.82 m, Spain
2009
12.19 m, United Kingdom
2009
11.82 m, United Kingdom
2008
12.15 m, United Kingdom
2008
Spain
2007
12.16 m, United Kingdom
2007
12.19 m, Denmark
2007
11.98 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 Oceanis 40?
Yes.
Whether we insure the Beneteau Oceanis 40 (forty) depends not on make or model but on type of
boat, year, value, engine output and cruising area.
What does cover for a Beneteau Oceanis 40 cost?
For the Beneteau Oceanis 40 (forty) the premium starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Beneteau Oceanis 40 at the usual market value of €94,000 the premium is €1,430 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 €1,311, liability for €119.
Tariff as of 21.10.2026, your own boat may differ.
The online calculator shows the exact amount after a few entries,
without you leaving any contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
With the Beneteau Oceanis 40 (forty),
spelling and suffixes often differ between model years and papers.
Use the name from your documents; premium and cover follow the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Beneteau Oceanis 40 (forty) is settled at the agreed value,
in the Premium tariff with no cap and no new-for-old deduction.
Can I switch from my existing insurer?
Yes.
The old contract for your Beneteau Oceanis 40 (forty) is cancelled by our switching service at no
cost.
You pay only after it runs out, and the switching discount stays for good.
Other models by this make
Beneteau Oceanis 40 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
