Beneteau Oceanis 46 insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Beneteau Oceanis 46 (forty-six) as a sailing yacht, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
- Make
- Beneteau
- Type of boat
- sailing yacht
- Length overall
- 14.30 m
- Built
- 1995 to 2014
Length from our boat catalogue for the 1995–2014 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,793 a year
or €163 a month if paid monthly
Liability and hull · boat value €120,000 (market value) · built 2007 · North Sea, Baltic and Mediterranean
Finance, example
€1,099 a month
Purchase price €120,000 (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 46: cover, cost and conditions
Beneteau Oceanis 46 (forty-six): for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.
What does cover for a Beneteau Oceanis 46 (forty-six) cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis 46 at the usual market value of €120,000 the premium is €1,793 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 €1,674, liability for €119. Tariff as of 20.10.2026, your own boat may differ. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.
Bought used, imported or ordered new: we write the Beneteau Oceanis 46 (forty-six) with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.
Not to be mixed up with its sisters: this is the Beneteau Oceanis 46, number forty-six.
What is a used Beneteau Oceanis 46 worth?
A used Beneteau Oceanis 46 built between 1998 and 2011 in average condition is typically worth
between €90,000 and €155,700 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2011 | €122,300 to €155,700 | €139,000 |
| 2010 | €116,700 to €148,500 | €132,600 |
| 2009 | €111,800 to €142,300 | €127,000 |
| 2008 | €106,300 to €135,300 | €120,800 |
| 2007 | €105,200 to €134,000 | €119,600 |
| 2006 | €107,000 to €136,200 | €121,600 |
| 2005 | €105,900 to €134,800 | €120,400 |
| 2004 | €104,500 to €133,000 | €118,700 |
| 2001 | €98,600 to €125,500 | €112,100 |
| 2000 | €93,000 to €118,400 | €105,700 |
| 1999 | €92,400 to €117,600 | €105,000 |
| 1998 | €90,000 to €114,500 | €102,300 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis 46;
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 46.
Market today
For sale in October 2026
10
Typical asking price, 2006 boat
€138,700
Our value, 2006 boat
€121,600
Asking prices against our value
+14%
In October 2026 we found 10 boats of the Beneteau Oceanis 46 for sale.
Typical asking price for a 2006 Beneteau Oceanis 46: €138,700.
Our value for a Beneteau Oceanis 46 of that year: €121,600.
Asking prices for the Beneteau Oceanis 46 are about 14% 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 10 boats of the Beneteau Oceanis 46 we found for sale most recently.
2011
14.02 m, United Kingdom
2011
Greece
2010
Greece
2009
France
2009
Turkey
2008
14.40 m, United Kingdom
2007
14.09 m, United Kingdom
2007
14.40 m, United Kingdom
2007
14.40 m, United Kingdom
2007
14.02 m, Norway
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 46?
Yes.
Neither the make nor the model decides whether the Beneteau Oceanis 46 (forty-six) is insurable.
What counts is the type of boat, its year, its value, its engine output and the waters you sail.
What does cover for a Beneteau Oceanis 46 cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Beneteau Oceanis 46 at the usual market value of €120,000 the premium is €1,793 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 €1,674, liability for €119.
Tariff as of 20.10.2026, your own boat may differ.
The exact premium takes a few minutes in the online calculator, with no contact details required.
My model is spelled slightly differently, does this page still apply?
Yes.
Spellings and suffixes of the Beneteau Oceanis 46 (forty-six) vary with the papers and the model
year.
Enter the name as it appears in your documents; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover, yes: the Beneteau Oceanis 46 (forty-six) is settled at the agreed value,
and in the Premium tariff without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service cancels the old contract for your Beneteau Oceanis 46 (forty-six) free of
charge, you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Beneteau Oceanis 46 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
