Home / Beneteau / Oceanis Clipper 381
Beneteau Oceanis Clipper 381 insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Beneteau Oceanis Clipper 381 (three hundred eighty-one) 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
- 11.75 m
- Built
- 1990 to 2005
Length from our boat catalogue for the 1990–2005 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,111 a year
or €101 a month if paid monthly
Liability and hull · boat value €61,000 (market value) · built 1999 · North Sea, Baltic and Mediterranean
Finance, example
€559 a month
Purchase price €61,000 (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 Clipper 381: cover, cost and conditions
Beneteau Oceanis Clipper 381 (three hundred eighty-one): 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 Clipper 381 (three hundred eighty-one) cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Beneteau Oceanis Clipper 381 at the usual market value of €61,000 the premium is €1,111 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 €992, liability for €119. Tariff as of 21.10.2026, 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 Clipper 381 (three hundred eighty-one) 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 Clipper 381,
number three hundred eighty-one.
What is a used Beneteau Oceanis Clipper 381 worth?
A used Beneteau Oceanis Clipper 381 built between 1993 and 2002 in average condition is typically
worth between €46,000 and €75,600 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2002 | €59,400 to €75,600 | €67,500 |
| 2001 | €56,700 to €72,100 | €64,400 |
| 2000 | €54,500 to €69,300 | €61,900 |
| 1999 | €54,200 to €69,000 | €61,600 |
| 1998 | €52,900 to €67,300 | €60,100 |
| 1997 | €51,100 to €65,100 | €58,100 |
| 1996 | €50,000 to €63,600 | €56,800 |
| 1993 | €46,000 to €58,600 | €52,300 |
With agreed-value cover, the agreed sum counts after a total loss of your Beneteau Oceanis Clipper
381; with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 3% off the value of a Beneteau Oceanis Clipper 381.
Market today
For sale in October 2026
5
Typical asking price, 1999 boat
€63,000
Our value, 1999 boat
€61,600
Asking prices against our value
+2%
In October 2026 we found 5 boats of the Beneteau Oceanis Clipper 381 for sale.
Typical asking price for a 1999 Beneteau Oceanis Clipper 381: €63,000.
Our value for a Beneteau Oceanis Clipper 381 of that year: €61,600.
Asking prices and value of the Beneteau Oceanis Clipper 381 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 5 boats of the Beneteau Oceanis Clipper 381 we found for sale most recently.
1999
11.58 m, United Kingdom
1999
11.89 m, Denmark
1999
11.89 m, Denmark
1998
11.75 m, United Kingdom
1998
11.76 m, United Kingdom
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 Clipper 381?
Yes.
Neither the make nor the model decides whether the Beneteau Oceanis Clipper 381 (three hundred
eighty-one) 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 Clipper 381 cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Beneteau Oceanis Clipper 381 at the usual market value of €61,000 the premium is €1,111 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 €992, liability for €119.
Tariff as of 21.10.2026, 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 Clipper 381 (three hundred eighty-one) 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 Clipper 381 (three hundred eighty-one) 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 Clipper 381 (three
hundred eighty-one) 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 Clipper 381 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
