Beneteau Oceanis 41 insurance: calculate your premium
Model page, insured as a sailing yacht
For us the Beneteau Oceanis 41 (forty-one) is a sailing yacht. New or used, bought at home or abroad, one previous owner or five: liability, hull, legal expenses and personal accident cover are taken out online in one go, in about five minutes.
At a glance
- Make
- Beneteau
- Type of boat
- sailing yacht
- Length overall
- 12.21 m
- Built
- 2008 to 2020
Length from our boat catalogue for the 2008–2020 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,904 a year
or €174 a month if paid monthly
Liability and hull · boat value €128,000 (market value) · built 2015 · North Sea, Baltic and Mediterranean
Finance, example
€1,173 a month
Purchase price €128,000 (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 41: cover, cost and conditions
The premium for the Beneteau Oceanis 41 (forty-one) is not set by its model name. In the online calculator you give the type of boat, year, value, engine output and cruising area, and those five values make the price.
A year of cover for the Beneteau Oceanis 41 (forty-one) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis 41 at the usual market value of €128,000 the premium is €1,904 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 €1,785, liability for €119. Tariff as of 21.10.2026, your own boat may differ. The rest is set by hull cover and the value of the boat: partial cover for fire, storm, lightning, theft of the whole boat and winter storage, full cover also for collision, grounding, vandalism and theft of parts. If the boat is lost completely, we pay the agreed value, in Premium with no new-for-old deductions.
We also write the Beneteau Oceanis 41 (forty-one) when it was bought used, imported or ordered straight from the yard, with a berth at home or abroad. The international certificate of insurance, which you receive automatically, covers ten languages. A policy that starts before the handover covers transport and the first launch.
Not to be mixed up with its sisters: this is the Beneteau Oceanis 41, number forty-one.
What is a used Beneteau Oceanis 41 worth?
A used Beneteau Oceanis 41 built between 2011 and 2020 in average condition is typically worth
between €97,600 and €184,900 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2020 | €145,300 to €184,900 | €165,100 |
| 2019 | €137,500 to €175,000 | €156,200 |
| 2018 | €130,100 to €165,600 | €147,900 |
| 2017 | €126,900 to €161,500 | €144,200 |
| 2016 | €115,700 to €147,300 | €131,500 |
| 2015 | €110,400 to €140,500 | €125,400 |
| 2014 | €109,300 to €139,100 | €124,200 |
| 2013 | €104,600 to €133,200 | €118,900 |
| 2012 | €99,300 to €126,500 | €112,900 |
| 2011 | €97,600 to €124,300 | €110,900 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis 41;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 4% off the value of a Beneteau Oceanis 41.
Market today
For sale in October 2026
10
Typical asking price, 2014 boat
€146,200
Our value, 2014 boat
€124,200
Asking prices against our value
+18%
In October 2026 we found 10 boats of the Beneteau Oceanis 41 for sale.
Typical asking price for a 2014 Beneteau Oceanis 41: €146,200.
Our value for a Beneteau Oceanis 41 of that year: €124,200.
Asking prices for the Beneteau Oceanis 41 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 25 boats of the Beneteau Oceanis 41 we found for sale most recently.
2020
12.43 m, Croatia
2020
12.43 m, United Kingdom
2020
12.43 m, United Kingdom
2020
Greece
2019
12.19 m, United Kingdom
2019
11.97 m, Italy
2018
11.97 m, Spain
2018
12.50 m, Sweden
2018
12.43 m, Germany
2018
12.50 m, Denmark
2018
12.40 m, Austria
2018
11.99 m, United Kingdom
2018
12.43 m, Switzerland
2018
12.43 m, Switzerland
2018
United Kingdom
2017
11.89 m, United Kingdom
2016
United Kingdom
2015
12.19 m, United Kingdom
2015
United Kingdom
2013
Greece
2013
12.43 m, Greece
2013
12.43 m, Croatia
2013
12.43 m, Germany
2013
Croatia
2013
Croatia
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 41?
Yes.
We accept a Beneteau Oceanis 41 (forty-one) like any other boat: type of boat, year, value,
engine output and cruising area decide, not the builder.
What does cover for a Beneteau Oceanis 41 cost?
Cover for the Beneteau Oceanis 41 (forty-one) starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Beneteau Oceanis 41 at the usual market value of €128,000 the premium is €1,904 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 €1,785, liability for €119.
Tariff as of 21.10.2026, your own boat may differ and then depends on your entries.
The online calculator shows the exact amount in a few minutes, without contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
What exactly the Beneteau Oceanis 41 (forty-one) is called often depends on the year and the
papers.
Take the name from your documents, the calculation uses the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Beneteau Oceanis 41 (forty-one) is settled at the agreed value,
in Premium with no upper limit and no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
We cancel your existing contract for the Beneteau Oceanis 41 (forty-one) through the switching
service at no cost.
You pay only once it has run out and secure a permanent switching discount.
Other models by this make
Beneteau Oceanis 41 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
