Beneteau Oceanis 45 insurance: calculate your premium
Model page, insured as a sailing yacht
For us the Beneteau Oceanis 45 (forty-five) 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
- 13.84 m
- Built
- 2008 to 2022
Length from our boat catalogue for the 2008–2022 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,142 a year
or €195 a month if paid monthly
Liability and hull · boat value €145,000 (market value) · built 2015 · North Sea, Baltic and Mediterranean
Finance, example
€1,328 a month
Purchase price €145,000 (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 45: cover, cost and conditions
The premium for the Beneteau Oceanis 45 (forty-five) 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 45 (forty-five) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis 45 at the usual market value of €145,000 the premium is €2,142 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 €2,023, liability for €119. Tariff as of 20.10.2026, 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 45 (forty-five) 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 45, number forty-five.
What is a used Beneteau Oceanis 45 worth?
A used Beneteau Oceanis 45 built between 2011 and 2019 in average condition is typically worth
between €108,700 and €239,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2019 | €188,100 to €239,500 | €213,800 |
| 2018 | €171,100 to €217,800 | €194,500 |
| 2017 | €149,300 to €190,100 | €169,700 |
| 2016 | €135,100 to €171,900 | €153,500 |
| 2015 | €127,800 to €162,600 | €145,200 |
| 2014 | €123,100 to €156,700 | €139,900 |
| 2013 | €114,200 to €145,300 | €129,800 |
| 2012 | €109,500 to €139,300 | €124,400 |
| 2011 | €108,700 to €138,300 | €123,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis 45;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 7% off the value of a Beneteau Oceanis 45.
Market today
For sale in October 2026
24
Typical asking price, 2015 boat
€161,300
Our value, 2015 boat
€145,200
Asking prices against our value
+11%
In October 2026 we found 24 boats of the Beneteau Oceanis 45 for sale.
Typical asking price for a 2015 Beneteau Oceanis 45: €161,300.
Our value for a Beneteau Oceanis 45 of that year: €145,200.
Asking prices for the Beneteau Oceanis 45 are about 11% 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 24 boats of the Beneteau Oceanis 45 we found for sale most recently.
2019
13.94 m, Italy
2019
13.94 m, Italy
2018
13.94 m, Italy
2018
13.94 m, United Kingdom
2018
13.94 m, Spain
2017
13.94 m, international
2017
13.94 m, United Kingdom
2017
13.94 m, France
2017
13.95 m, Germany
2016
Croatia
2016
13.94 m, Spain
2016
13.94 m, United Kingdom
2016
Spain
2015
international
2015
13.94 m, United Kingdom
2014
13.84 m, Croatia
2013
13.85 m, Croatia
2013
13.84 m, international
2013
13.84 m, Greece
2013
13.50 m, Netherlands
2013
13.85 m, United Kingdom
2012
13.85 m, Croatia
2012
14.02 m, United Kingdom
2012
13.50 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 45?
Yes.
We accept a Beneteau Oceanis 45 (forty-five) 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 45 cost?
Cover for the Beneteau Oceanis 45 (forty-five) starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Beneteau Oceanis 45 at the usual market value of €145,000 the premium is €2,142 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 €2,023, liability for €119.
Tariff as of 20.10.2026, 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 45 (forty-five) 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 45 (forty-five) 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 45 (forty-five) 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 45 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
