Insuring Cumulus: cover and premium
sailing boats and sailing yachts · several countries
Cumulus builds sailing boats and sailing yachts in several countries. NAMMERT insures a Cumulus 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
several countries
Class
sailing boats and sailing yachts
Typical sizes
Premium from
from €39 a year for liability
Worth knowing
Cumulus; cover, cost and conditions
One sailing boat range is documented for Cumulus, the Cumulus 16.4 from the years 2011 to 2017. Nothing more is known about the yard, and nothing more is needed for the policy either. What is insured is the individual boat with its data, not the name on the hull.
With a sailing boat the sail area takes the place of the engine power. Together with the type of boat, value, year of construction and cruising range, it is included in the premium. Club races are included from Basis-Plus upwards, and you declare races with scoring status when taking out the policy.
Third-party liability with a limit of indemnity of 10 to 50 million euros stands as the basis, and the full hull cover adds collision, grounding, vandalism and theft of parts including the outboard. The trailer is covered by the third-party liability at no extra premium from Basis-Plus, provided it is named in the application with its value, and the cover applies during launching, during craning and in winter storage. You can add it to the hull cover for a premium.
Questions and answers
Frequent questions
Does the sail area count towards the premium with a sailing boat?
Yes, for Cumulus too: it takes the place of the engine power.
In addition there are the type of boat, value, year of construction and cruising range as factors,
while the brand stays out of it.
Are club races covered?
For Cumulus: Club races are included from the Basis-Plus tariff upwards.
You declare races with scoring status when taking out the policy so that they are taken into
account in the contract.
The cover that fits
sailing boat insurance
Tariffs, cover and FAQ for sailing boat insurance in detail.
Third-party liability
The foundation for a boat from Cumulus: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a Cumulus, at replacement value with an agreed fixed value.
For the whole class of boat
For Cumulus: What matters for sailing boats and sailing yachts 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, Cumulus included.
Insuring sailing boats and sailing yachts, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
Under sail no licence is needed; with an auxiliary engine from 15 hp one is.
Registration
Official number or boat certificate; a flag document for trips abroad.
Waters
Inland lakes, the Baltic and the North Sea; tide, current and shoals belong in the passage plan.
Equipment
Lifejackets, harness and jackstays, lifebuoy, distress signals, reefing system.
Cruising range
Certificate of insurance for foreign harbours; check that racing is covered.
Weather
Reef in time: first reef from Beaufort 5, second from 6, watch the gust forecast.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Cumulus.
Current wind force and direction for your waters are shown on the Home.
Series by Cumulus, build years and cover
Cumulus 16.4 is a sailing boat from Cumulus, built from 2011 to 2017.
For the Cumulus 16.4 by Cumulus 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.
For the Cumulus 16.4 by Cumulus series:
On boats this size the condition of rig and fittings decides.
A dismasting is covered, worn terminals after years are not.
What does a used Cumulus cost?
We hold today’s price ranges by year for 1 models by Cumulus.
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 |
|---|---|---|
| Cumulus 16.4 | 2014 | €10,400 to €13,200 |
Estimate from our boat records, October 2026.
Not a survey.
Cumulus insured in five minutes.
Boat type, year built, length and value of your Cumulus are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
