Dufour 45 Classic insurance: calculate your premium
Model page, insured as a sailing yacht
The Dufour 45 Classic (forty-five) 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
- Dufour
- Type of boat
- sailing yacht
- Length overall
- 13.81 m
- Built
- 1993 to 2005
Length from our boat catalogue for the 1993–2005 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,570 a year
or €143 a month if paid monthly
Liability and hull · boat value €88,000 (market value) · built 1999 · North Sea, Baltic and Mediterranean
Finance, example
€806 a month
Purchase price €88,000 (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 45 Classic: cover, cost and conditions
For the Dufour 45 Classic (forty-five) 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 Dufour 45 Classic (forty-five) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Dufour 45 Classic at the usual market value of €88,000 the premium is €1,570 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 €1,451, liability for €119. Tariff as of 03.11.2026, 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 Dufour 45 Classic (forty-five) 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 Dufour 45 Classic, number forty-five.
What is a used Dufour 45 Classic worth?
A used Dufour 45 Classic built between 1996 and 2000 in average condition is typically worth
between €75,900 and €99,400 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2000 | €77,900 to €99,100 | €88,500 |
| 1999 | €77,400 to €98,500 | €87,900 |
| 1998 | €78,100 to €99,400 | €88,700 |
| 1997 | €75,900 to €96,600 | €86,200 |
| 1996 | €77,500 to €98,700 | €88,100 |
With agreed-value cover, the agreed sum counts after a total loss of your Dufour 45 Classic;
with actual-value cover, the value at the time.
Does your sum still fit?
Market today
For sale in November 2026
3
Typical asking price, 1998 boat
€89,000
Our value, 1998 boat
€88,700
Asking prices against our value
+0%
In November 2026 we found 3 boats of the Dufour 45 Classic for sale.
Typical asking price for a 1998 Dufour 45 Classic: €89,000.
Our value for a Dufour 45 Classic of that year: €88,700.
Asking prices and value of the Dufour 45 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 3 boats of the Dufour 45 Classic we found for sale most recently.
2000
Spain
1998
13.72 m, United Kingdom
1998
13.68 m, Italy
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 45 Classic?
Yes.
Whether we insure the Dufour 45 Classic (forty-five) depends not on make or model but on type of
boat, year, value, engine output and cruising area.
What does cover for a Dufour 45 Classic cost?
For the Dufour 45 Classic (forty-five) the premium starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Dufour 45 Classic at the usual market value of €88,000 the premium is €1,570 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 €1,451, liability for €119.
Tariff as of 03.11.2026, 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 Dufour 45 Classic (forty-five),
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 Dufour 45 Classic (forty-five) 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 Dufour 45 Classic (forty-five) 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
Dufour 45 Classic insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
