Beneteau Oceanis 43 insurance: calculate your premium
Model page, insured as a sailing yacht
Year, place of purchase and previous owners do not decide whether we insure the Beneteau Oceanis 43 (forty-three): we write it as a sailing yacht. Five minutes online cover everything from liability and hull to legal expenses and personal accident.
At a glance
- Make
- Beneteau
- Type of boat
- sailing yacht
- Length overall
- 13.10 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
€1,514 a year
or €138 a month if paid monthly
Liability and hull · boat value €100,000 (market value) · built 2008 · North Sea, Baltic and Mediterranean
Finance, example
€916 a month
Purchase price €100,000 (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 43: cover, cost and conditions
How much does the name Beneteau Oceanis 43 (forty-three) matter to the premium? Hardly at all. What counts is the type of boat, the year, the value, the engine output and the cruising area, the five fields of the online calculator.
What should you budget for the Beneteau Oceanis 43 (forty-three)? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis 43 at the usual market value of €100,000 the premium is €1,514 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 €1,395, liability for €119. Tariff as of 21.10.2026, your own boat may differ. Hull cover follows the value of the boat. Partial: fire, storm, lightning, theft of the whole boat, winter storage. Full, on top: collision, grounding, vandalism, theft of parts. A total loss means the agreed value, in the Premium tariff without new-for-old deductions.
The Beneteau Oceanis 43 (forty-three) may be second hand, imported or ordered new, and the berth may be at home or abroad: we write it in each of these cases. The international certificate of insurance comes by itself in ten languages, and cover taken out before the handover already includes transport and the first launch.
Not to be mixed up with its sisters: this is the Beneteau Oceanis 43, number forty-three.
What is a used Beneteau Oceanis 43 worth?
A used Beneteau Oceanis 43 built between 2006 and 2011 in average condition is typically worth
between €79,900 and €119,700 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2011 | €94,100 to €119,700 | €106,900 |
| 2010 | €79,900 to €101,700 | €90,800 |
| 2009 | €92,000 to €117,000 | €104,500 |
| 2008 | €88,800 to €113,000 | €100,900 |
| 2007 | €87,200 to €110,900 | €99,000 |
| 2006 | €86,800 to €110,400 | €98,600 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis 43;
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 43.
Market today
For sale in October 2026
16
Typical asking price, 2009 boat
€112,400
Our value, 2009 boat
€104,500
Asking prices against our value
+8%
In October 2026 we found 16 boats of the Beneteau Oceanis 43 for sale.
Typical asking price for a 2009 Beneteau Oceanis 43: €112,400.
Our value for a Beneteau Oceanis 43 of that year: €104,500.
Asking prices for the Beneteau Oceanis 43 are about 8% 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 16 boats of the Beneteau Oceanis 43 we found for sale most recently.
2011
13.11 m, Italy
2011
international
2011
Italy
2010
Greece
2010
13.10 m, Croatia
2010
13.11 m, Denmark
2009
13.10 m, Croatia
2009
13.13 m, Croatia
2009
13.11 m, United Kingdom
2009
12.75 m, international
2009
13.10 m, Spain
2008
13.10 m, Spain
2008
13.11 m, Greece
2008
12.50 m, United Kingdom
2007
United Kingdom
2007
12.75 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 43?
Yes, the Beneteau Oceanis 43 (forty-three) is insurable with us.
What decides is not make and model but five figures: type of boat, year, value,
engine output and cruising area.
What does cover for a Beneteau Oceanis 43 cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Beneteau Oceanis 43 at the usual market value of €100,000 the premium is €1,514 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 €1,395, liability for €119.
Tariff as of 21.10.2026, your own boat may differ.
What your Beneteau Oceanis 43 (forty-three) costs exactly you can work out online in a few minutes,
and you need no contact details to do it.
My model is spelled slightly differently, does this page still apply?
Yes.
The Beneteau Oceanis 43 (forty-three) appears in papers and brochures under slightly different
names.
Premium and cover go by the technical data, and you enter the name as it stands in your papers.
On a total loss, do I get the replacement value?
Yes, provided you have full cover:
we pay the agreed value for the Beneteau Oceanis 43 (forty-three),
in Premium without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service handles the cancellation of the existing contract for the Beneteau Oceanis
43 (forty-three) free of charge;
you pay from the end date and keep the switching discount for good.
Other models by this make
Beneteau Oceanis 43 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
