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Beneteau Oceanis 46.1 insurance: calculate your premium
Model page, insured as a sailing yacht
The Beneteau Oceanis 46.1 (forty-six) is insurable with us as a sailing yacht, whatever its year, wherever you bought it and however many owners came before you. Liability, hull, legal expenses and personal accident cover sit in one contract, set up online in five minutes.
At a glance
- Make
- Beneteau
- Type of boat
- sailing yacht
- Length overall
- 14.60 m
- Built
- since 1997
Length from our boat catalogue for the 1997–2026 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,332 a year
or €213 a month if paid monthly
Liability and hull · boat value €237,000 (market value) · built 2020 · North Sea, Baltic and Mediterranean
Finance, example
€2,171 a month
Purchase price €237,000 (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 46.1: cover, cost and conditions
For the Beneteau Oceanis 46.1 (forty-six) we do not price by model name. The premium comes from five entries in the online calculator: type of boat, year, value, engine output and cruising area.
The premium for a Beneteau Oceanis 46.1 (forty-six) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis 46.1 at the usual market value of €237,000 the premium is €2,332 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail, hull excess €1,000, paid annually. Hull cover accounts for €2,213, liability for €119. Tariff as of 20.10.2026, your own boat may differ. How much hull cover adds depends on the value: partial cover pays for fire, storm, lightning, theft of the whole boat and winter storage damage, full cover also for collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, in Premium with no new-for-old deduction.
Whether bought used, brought in from abroad or ordered new, we write the Beneteau Oceanis 46.1 (forty-six) with a berth in Germany or abroad. The international certificate of insurance arrives automatically in ten languages. Take cover out before the handover and transport and the first launch are already insured.
Not to be mixed up with its sisters: this is the Beneteau Oceanis 46.1, number forty-six.
What is a used Beneteau Oceanis 46.1 worth?
A used Beneteau Oceanis 46.1 built between 2000 and 2024 in average condition is typically worth
between €84,800 and €341,300 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €268,200 to €341,300 | €304,700 |
| 2023 | €262,600 to €334,200 | €298,400 |
| 2022 | €253,100 to €322,100 | €287,600 |
| 2021 | €233,600 to €297,400 | €265,500 |
| 2020 | €208,300 to €265,100 | €236,700 |
| 2019 | €169,800 to €216,200 | €193,000 |
| 2018 | €171,100 to €217,700 | €194,400 |
| 2017 | €145,200 to €184,800 | €165,000 |
| 2000 | €84,800 to €108,000 | €96,400 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis 46.1;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 5% off the value of a Beneteau Oceanis 46.1.
Market today
For sale in October 2026
26
Typical asking price, 2020 boat
€245,200
Our value, 2020 boat
€236,700
Asking prices against our value
+4%
In October 2026 we found 26 boats of the Beneteau Oceanis 46.1 for sale.
Typical asking price for a 2020 Beneteau Oceanis 46.1: €245,200.
Our value for a Beneteau Oceanis 46.1 of that year: €236,700.
Asking prices for the Beneteau Oceanis 46.1 are about 4% 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 28 boats of the Beneteau Oceanis 46.1 we found for sale most recently.
2024
Croatia
2023
14.60 m, United Kingdom
2023
14.02 m, Sweden
2023
14.60 m, Sweden
2022
14.60 m, Croatia
2022
13.65 m, Greece
2022
13.65 m, Italy
2022
United Kingdom
2021
13.65 m, Spain
2021
13.65 m, United Kingdom
2021
14.63 m, United Kingdom
2021
Croatia
2020
14.61 m, international
2020
13.65 m, United Kingdom
2020
Croatia
2020
14.61 m, United Kingdom
2020
14.02 m, Norway
2019
14.60 m, Croatia
2019
Croatia
2019
14.02 m, Sweden
2019
14.60 m, Germany
2019
Croatia
2019
14.33 m, United Kingdom
2019
14.60 m, Croatia
2019
international
2019
14.60 m, United Kingdom
2019
13.65 m, United Kingdom
2019
14.60 m, 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 46.1?
Yes.
Whether we insure the Beneteau Oceanis 46.1 (forty-six) depends not on make or model but on type
of boat, year, value, engine output and cruising area.
What does cover for a Beneteau Oceanis 46.1 cost?
For the Beneteau Oceanis 46.1 (forty-six) the premium starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Beneteau Oceanis 46.1 at the usual market value of €237,000 the premium is €2,332 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail,
hull excess €1,000, paid annually.
Hull cover accounts for €2,213, liability for €119.
Tariff as of 20.10.2026, your own boat may differ.
The online calculator shows the exact amount after a few entries,
without you leaving any contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
With the Beneteau Oceanis 46.1 (forty-six),
spelling and suffixes often differ between model years and papers.
Use the name from your documents; premium and cover follow the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Beneteau Oceanis 46.1 (forty-six) is settled at the agreed value,
in the Premium tariff with no cap and no new-for-old deduction.
Can I switch from my existing insurer?
Yes.
The old contract for your Beneteau Oceanis 46.1 (forty-six) is cancelled by our switching service
at no cost.
You pay only after it runs out, and the switching discount stays for good.
Other models by this make
Beneteau Oceanis 46.1 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
