Dufour 38 Classic insurance: calculate your premium
Model page, insured as a sailing yacht
For us the Dufour 38 Classic is a sailing yacht. New or used, bought at home or abroad, one previous owner or five: liability, hull, legal expenses and personal accident cover are taken out online in one go, in about five minutes.
At a glance
- Make
- Dufour
- Type of boat
- sailing yacht
- Length overall
- 11.74 m
- Built
- 1994 to 2009
Length from our boat catalogue for the 1994–2009 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,140 a year
or €103 a month if paid monthly
Liability and hull · boat value €68,000 (market value) · built 2005 · North Sea, Baltic and Mediterranean
Finance, example
€623 a month
Purchase price €68,000 (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.
Dufour 38 Classic: cover, cost and conditions
The premium for the Dufour 38 Classic is not set by its model name. In the online calculator you give the type of boat, year, value, engine output and cruising area, and those five values make the price.
A year of cover for the Dufour 38 Classic starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Dufour 38 Classic at the usual market value of €68,000 the premium is €1,140 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 €1,021, liability for €119. Tariff as of 03.11.2026, your own boat may differ. The rest is set by hull cover and the value of the boat: partial cover for fire, storm, lightning, theft of the whole boat and winter storage, full cover also for collision, grounding, vandalism and theft of parts. If the boat is lost completely, we pay the agreed value, in Premium with no new-for-old deductions.
We also write the Dufour 38 Classic when it was bought used, imported or ordered straight from the yard, with a berth at home or abroad. The international certificate of insurance, which you receive automatically, covers ten languages. A policy that starts before the handover covers transport and the first launch.
Not to be mixed up with its sisters: this is the Dufour 38 Classic, number thirty-eight.
What is a used Dufour 38 Classic worth?
A used Dufour 38 Classic built between 1997 and 2006 in average condition is typically worth
between €51,200 and €84,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2006 | €65,300 to €83,100 | €74,200 |
| 2005 | €63,900 to €81,300 | €72,600 |
| 2004 | €64,600 to €82,200 | €73,400 |
| 2003 | €65,300 to €83,100 | €74,200 |
| 2002 | €66,400 to €84,500 | €75,500 |
| 2001 | €55,300 to €70,400 | €62,800 |
| 2000 | €51,200 to €65,200 | €58,200 |
| 1999 | €53,000 to €67,400 | €60,200 |
| 1998 | €55,800 to €71,000 | €63,400 |
| 1997 | €53,800 to €68,500 | €61,100 |
With agreed-value cover, the agreed sum counts after a total loss of your Dufour 38 Classic;
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 Dufour 38 Classic.
Market today
For sale in November 2026
11
Typical asking price, 2002 boat
€75,400
Our value, 2002 boat
€75,500
Asking prices against our value
−0%
In November 2026 we found 11 boats of the Dufour 38 Classic for sale.
Typical asking price for a 2002 Dufour 38 Classic: €75,400.
Our value for a Dufour 38 Classic of that year: €75,500.
Asking prices and value of the Dufour 38 Classic 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 11 boats of the Dufour 38 Classic we found for sale most recently.
2001
11.60 m, United Kingdom
2001
11.58 m, United Kingdom
2001
11.28 m, United Kingdom
2001
11.64 m, France
2001
Germany
2000
11.45 m, France
2000
Netherlands
1998
11.64 m, United Kingdom
1998
11.58 m, Norway
1998
11.89 m, Denmark
1998
11.98 m, United Kingdom
As of November 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 November 2026. Not a survey.
Frequently asked
Does NAMMERT insure the Dufour 38 Classic?
Yes.
We accept a Dufour 38 Classic like any other boat: type of boat, year, value,
engine output and cruising area decide, not the builder.
What does cover for a Dufour 38 Classic cost?
Cover for the Dufour 38 Classic starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Dufour 38 Classic at the usual market value of €68,000 the premium is €1,140 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 €1,021, liability for €119.
Tariff as of 03.11.2026, your own boat may differ and then depends on your entries.
The online calculator shows the exact amount in a few minutes, without contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
What exactly the Dufour 38 Classic is called often depends on the year and the papers.
Take the name from your documents, the calculation uses the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Dufour 38 Classic is settled at the agreed value,
in Premium with no upper limit and no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
We cancel your existing contract for the Dufour 38 Classic through the switching service at no
cost.
You pay only once it has run out and secure a permanent switching discount.
Other models by this make
Dufour 38 Classic insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
