Insuring Cobia Boats: cover and premium
motorboats and sports boats · the USA
Cobia Boats builds motorboats and sports boats in the USA. NAMMERT insures a Cobia regardless of year built or where you bought it, liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
the USA
Class
motorboats and sports boats
Typical sizes
5 to 10 m
Premium from
from €49 a year for liability
Worth knowing
Cobia Boats; cover, cost and conditions
Cobia builds center console boats for use in salt water; in Europe they are mostly found on the Baltic or in the Mediterranean. The outboard is the most expensive single item on these boats, and on the larger models two or three of them sit on the transom. That is precisely why every engine belongs in the policy with its manufacturer, power output and serial number, because otherwise the hull insurance covers only the hull in the event of theft.
Outboard theft is a real risk in North Sea and Baltic harbours and is carried out in an organised way. We grant a ten percent discount on the hull insurance if a GPS or Bluetooth tracker is fitted. Make sure the device has its own power supply: practised thieves disconnect the battery first.
In fishing use the equipment is added to this. An echo sounder, rod holders, an electric motor and a cool box quickly add up to a four figure amount. Permanently installed equipment is included in the hull insurance if it has been taken into account in the value of the boat, loose items are not automatically. Include the fitted items in the sum insured instead of forgetting them.
Questions and answers
Frequent questions
Are two or three outboards all covered?
Yes, for Cobia too: if all of them are named in the policy.
List every engine individually with its serial number;
with multiple engine installations this is the most common mistake in older policies.
Is my echo sounder covered?
For Cobia: Permanently installed electronics yes, provided they are contained in the sum insured.
Add retrofitted items to the value of the boat,
otherwise they are not reflected in the event of a claim.
The cover that fits
fishing boat insurance
Tariffs, cover and FAQ for fishing boat insurance in detail.
Third-party liability
The foundation for a boat from Cobia: damage to third parties, worldwide,
from €49 a year for liability.
Hull cover
Partial or full hull cover for a Cobia, at replacement value with an agreed fixed value.
For the whole class of boat
For Cobia: What matters for motorboats and sports boats is the same across every brand;
engine output, how a claim is settled, cruising range and theft protection.
The class page lists every point and every brand in this class, Cobia included.
Insuring motorboats and sports boats, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
From 15 hp a powerboat licence; small electric drives are usually exempt.
Registration
Registration from 3 hp; carry the fishing permit and licence as well.
Waters
Club waters, lakes, lagoons and the coast, mind closed seasons and restricted areas.
Equipment
Lifejacket, paddles, anchor, sonar; make sure navigation lights work for night trips.
Cruising range
On lagoons and the coast check the forecast in the morning and plan the return against the wind.
Weather
Small boats from Beaufort 4 only with experience; break off early when summer cells build.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Cobia.
Current wind force and direction for your waters are shown on the Home.
Series by Cobia, with value and cover
Cobia 17 / 19 CC is a fishing boat from Cobia (the USA), built from 1985 to 2010,
and today changes hands at between €6,000 and €28,000.
Cobia 220 / 237 CC is a fishing boat from Cobia (the USA), built since 2000,
and today changes hands at between €25,000 and €95,000.
Also a fishing boat, built since 2005, €65,000 to €260,000.
For the Cobia 17 / 19 CC by Cobia series the market value and the replacement cost often differ
widely.
An agreed value removes the age-based scale, and the figure in the policy stands.
As the Cobia 220 / 237 CC and Cobia 280 / 320 CC by Cobia series are still in production,
parts are available and repair costs are predictable.
Even so, value it at replacement cost including retrofitted electronics, not at list price.
For the Cobia 17 / 19 CC, Cobia 220 / 237 CC, Cobia 280 / 320 CC by Cobia series:
On a fishing boat the gear is often worth more than expected: sounder,
trolling motor and rods are covered as equipment if they are listed.
The Cobia range in figures
These figures come from the model records we keep for Cobia: boat type, build years and length,
nothing estimated.
- motorboat
- 104 models, 1971 to 2005, mostly 4.8 to 6.8 m
- motor yacht
- 6 models, 1972 to 1998, 7.6 to 8.5 m
Which model was built when?
What does a used Cobia cost?
We hold today’s price ranges by year for 71 models by Cobia.
The table shows what boats in average condition are worth,
from the oldest to the youngest year on record.
Choose your exact model, year and condition in the calculator.
| Model | Years built | Range today |
|---|---|---|
| Carribbean 190 SS | 1994 to 1995 | €11,000 to €14,500 |
| Carribbean 204 SF | 1992 to 1994 | €11,700 to €16,000 |
| Carribbean 235 SF | 1992 to 1993 | €17,800 to €23,600 |
| Challenger 169 ER | 1996 to 2002 | €6,400 to €12,200 |
| Challenger 1800 | 1997 to 1999 | €12,700 to €16,500 |
| Challenger 187 ER | 1996 to 2002 | €17,300 to €30,300 |
| Challenger 187 ERS | 1992 to 1995 | €9,600 to €21,700 |
| Challenger 189 ER | 1996 to 2002 | €14,300 to €25,600 |
| Challenger 197 ER | 1996 to 2002 | €19,900 to €31,700 |
| Challenger 197 ERS | 1992 to 1995 | €11,200 to €15,500 |
| Challenger 198 ERS | 1990 to 1991 | €21,000 to €27,000 |
| Challenger 225 ERS | 1990 to 1991 | €13,700 to €18,000 |
| Challenger 227 ERS | 1992 to 1993 | €15,100 to €20,100 |
| Cobia 20 Gulfwinds | 1974 to 1977 | €24,700 to €33,000 |
| Cobia 21 Gulfwinds | 1974 to 1975 | €23,900 to €30,400 |
| Cobia 2250 CC | 1990 to 1991 | €21,100 to €27,100 |
| Cobia C 16 TBR | 1975 to 1976 | €10,500 to €13,300 |
| Cobia C 16 TBR Tornado | 1977 to 1978 | €8,700 to €11,100 |
| Cobia C 16 VBR Charger | 1977 to 1978 | €7,500 to €9,600 |
| Cobia C 18 V Centaur | 1975 to 1979 | €8,600 to €11,000 |
| Cobia C 20 VBR Ranger | 1977 to 1978 | €12,200 to €15,500 |
| Cobia C 21 CC | 1975 to 1976 | €19,500 to €24,900 |
| Cobia C 24 CC | 1975 to 1976 | €17,500 to €22,300 |
| Cobia C 24 CC Caribbean | 1974 to 1975 | €17,100 to €21,700 |
| Cobia S.M. 225 EC | 2000 to 2002 | €21,000 to €29,100 |
| Gamma Edition 169 | 1993 to 1994 | €10,300 to €13,300 |
| Monte Carlo 156 E | 1992 to 1993 | €4,800 to €6,400 |
| Monte Carlo 166 E | 1994 to 2002 | €5,700 to €13,100 |
| Monte Carlo 166 EL | 1993 to 1994 | €9,900 to €12,700 |
| Monte Carlo 168 E | 1992 to 1993 | €6,800 to €9,000 |
| Monte Carlo 176 EL | 1993 to 1994 | €14,400 to €18,400 |
| Monte Carlo 178 E | 1994 to 1995 | €8,600 to €12,500 |
| Monte Carlo 178 EL | 1993 to 1994 | €8,500 to €11,000 |
| Monte Carlo 186 E | 1994 to 2002 | €6,900 to €16,000 |
| Monte Carlo 188 E | 1992 to 1995 | €9,500 to €12,700 |
| Monte Carlo 188 E | 1994 to 2002 | €9,500 to €17,500 |
| Monte Carlo 188 ESL | 1993 to 1994 | €16,500 to €21,100 |
| Monte Carlo 198 E | 1994 to 2002 | €11,500 to €18,900 |
| Monte Carlo 198 E | 1990 to 1995 | €20,000 to €25,800 |
| Monte Carlo 218 E | 1996 to 2002 | €14,400 to €21,900 |
| Monte Carlo 225 E | 1990 to 1991 | €20,900 to €26,900 |
| Monte Carlo 228 E | 1996 to 2002 | €16,700 to €27,900 |
| Monte Carlo 228 ES | 1993 to 1995 | €23,700 to €30,400 |
| San Marino 205 EC | 1994 to 2002 | €10,800 to €20,200 |
| San Marino 205 EC | 1991 to 1995 | €10,900 to €15,100 |
| San Marino 205 ECL | 1993 to 1994 | €18,400 to €23,600 |
| San Marino 208 EC | 1990 to 1991 | €19,900 to €25,800 |
| San Marino 215 EC | 1996 to 2002 | €22,300 to €33,800 |
| San Marino 225 | 1994 to 1995 | €23,700 to €30,900 |
| San Marino 225 EC | 1990 to 1993 | €12,200 to €17,400 |
| San Marino 225 EC | 1995 | €24,200 to €30,800 |
| San Marino 225 EC | 1997 | €24,700 to €31,500 |
| San Marino 225 EC | 1993 to 1996 | €22,600 to €31,400 |
| San Marino 225 EC | 1994 to 2000 | €16,300 to €24,300 |
| San Marino 225 ECS | 1993 to 1995 | €23,700 to €30,800 |
| San Marino 255 | 1994 to 1995 | €17,400 to €23,200 |
| San Marino 278 | 1990 to 1991 | €19,100 to €25,500 |
| San Marino 278 E | 1989 to 1993 | €25,100 to €35,100 |
| Spirit 1750 VBR | 1990 to 1991 | €8,500 to €11,700 |
| Spirit 1800 CC | 1990 to 1991 | €31,200 to €39,900 |
| Spirit 1850 VBR | 1990 to 1991 | €17,200 to €22,300 |
| Spirit 1900 CC | 1990 to 1991 | €21,700 to €28,200 |
| Spirit 1950 CC | 1990 to 1991 | €18,700 to €24,300 |
| Spirit 1950 CC | 1992 to 1993 | €10,800 to €14,400 |
| Spirit 1950 VBR | 1990 to 1993 | €9,500 to €12,800 |
| Spirit 2150 CC | 1990 to 1991 | €18,800 to €24,500 |
| Spirit 2250 MC | 1992 to 1993 | €16,400 to €21,200 |
| Sunskiff SS 177 | 1990 to 1993 | €5,200 to €7,100 |
| Sunskiff SS 190 | 1992 to 1993 | €8,900 to €11,600 |
| Sunskiff SS 200 | 1990 to 1993 | €8,400 to €11,600 |
| Sunskiff SS 215 | 1992 to 1993 | €11,700 to €15,200 |
Estimate from our boat records, October 2026.
Not a survey.
Models by Cobia we insure
Each Cobia model has its own page with cover, cost and the points that matter for that boat.
Your model not listed?
We insure it all the same.
Cobia insured in five minutes.
Boat type, year built, length and value of your Cobia are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
