Beneteau Oceanis 430 insurance: calculate your premium
Model page, insured as a sailing yacht
If you own a Beneteau Oceanis 430 (four hundred thirty), 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
- 12.60 m
- Built
- 1981 to 1997
Length from our boat catalogue for the 1981–1997 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,117 a year
or €101 a month if paid monthly
Liability and hull · boat value €57,000 (market value) · built 1989 · North Sea, Baltic and Mediterranean
Finance, example
€522 a month
Purchase price €57,000 (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 430: cover, cost and conditions
Five figures decide what cover for the Beneteau Oceanis 430 (four hundred thirty) costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Beneteau Oceanis 430 (four hundred thirty) the premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis 430 at the usual market value of €57,000 the premium is €1,117 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 €998, liability for €119. Tariff as of 20.10.2026, 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 430 (four hundred thirty) 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 430, number four hundred thirty.
What is a used Beneteau Oceanis 430 worth?
A used Beneteau Oceanis 430 built between 1984 and 1994 in average condition is typically worth
between €45,700 and €71,600 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1994 | €56,200 to €71,600 | €63,900 |
| 1993 | €55,100 to €70,100 | €62,600 |
| 1992 | €53,500 to €68,100 | €60,800 |
| 1991 | €52,400 to €66,600 | €59,500 |
| 1990 | €50,900 to €64,800 | €57,900 |
| 1989 | €50,400 to €64,200 | €57,300 |
| 1988 | €49,500 to €63,000 | €56,200 |
| 1987 | €48,100 to €61,300 | €54,700 |
| 1986 | €47,300 to €60,200 | €53,700 |
| 1985 | €45,800 to €58,200 | €52,000 |
| 1984 | €45,700 to €58,100 | €51,900 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis 430;
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 430.
Market today
For sale in October 2026
6
Typical asking price, 1989 boat
€56,100
Our value, 1989 boat
€57,300
Asking prices against our value
−2%
In October 2026 we found 6 boats of the Beneteau Oceanis 430 for sale.
Typical asking price for a 1989 Beneteau Oceanis 430: €56,100.
Our value for a Beneteau Oceanis 430 of that year: €57,300.
Asking prices and value of the Beneteau Oceanis 430 are close together.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 6 boats of the Beneteau Oceanis 430 we found for sale most recently.
1992
12.60 m, France
1990
12.96 m, France
1989
12.96 m, United Kingdom
1988
12.60 m, international
1988
12.96 m, France
1987
12.96 m, France
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 430?
Yes.
For accepting the Beneteau Oceanis 430 (four hundred thirty) 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 430 cost?
The premium for the Beneteau Oceanis 430 (four hundred thirty) starts from €39 a year for a
sailing boat, from €49 for a motorboat.
For a Beneteau Oceanis 430 at the usual market value of €57,000 the premium is €1,117 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 €998, liability for €119.
Tariff as of 20.10.2026, 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 430 (four hundred thirty) 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 430 (four hundred thirty):
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 430 (four hundred thirty),
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Beneteau Oceanis 430 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
