Elan 38 insurance: calculate your premium
Model page, insured as a sailing yacht
If you own a Elan 38, you insure it with us as a sailing yacht, however old it is, wherever it was bought and through however many hands it passed. Liability, hull, legal expenses and personal accident come from one house and are arranged online in five minutes.
At a glance
- Make
- Elan
- Type of boat
- sailing yacht
- Length overall
- 11.84 m
- Built
- 1990 to 2008
Length from our boat catalogue for the 1990–2008 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,046 a year
or €95 a month if paid monthly
Liability and hull · boat value €57,000 (market value) · built 1997 · North Sea, Baltic and Mediterranean
Finance, example
€522 a month
Purchase price €57,000 (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.
Elan 38: cover, cost and conditions
Five figures decide what cover for the Elan 38 costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Elan 38 the premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Elan 38 at the usual market value of €57,000 the premium is €1,046 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 €927, liability for €119. Tariff as of 02.11.2026, your own boat may differ; the hull share follows the value. Partial cover insures fire, storm, lightning, theft of the whole boat and winter storage damage, full cover adds collision, grounding, vandalism and theft of parts. On a total loss the agreed value applies, in Premium with no deduction for new-for-old.
Berth in Germany or abroad, bought from a dealer, privately or imported: for the Elan 38 it makes no difference to us. The international certificate of insurance comes automatically in ten languages. Start cover before the handover and transport and the first launch are included straight away.
Not to be mixed up with its sisters: this is the Elan 38, number thirty-eight.
What is a used Elan 38 worth?
A used Elan 38 built between 1993 and 2000 in average condition is typically worth between €45,600
and €69,600 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2000 | €53,300 to €67,900 | €60,600 |
| 1999 | €54,800 to €69,600 | €62,200 |
| 1998 | €54,500 to €69,300 | €61,900 |
| 1997 | €50,600 to €64,400 | €57,500 |
| 1996 | €49,500 to €63,000 | €56,200 |
| 1995 | €48,200 to €61,300 | €54,700 |
| 1994 | €46,700 to €59,500 | €53,100 |
| 1993 | €45,600 to €58,000 | €51,800 |
With agreed-value cover, the agreed sum counts after a total loss of your Elan 38;
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 Elan 38.
Market today
For sale in November 2026
5
Typical asking price, 1997 boat
€54,900
Our value, 1997 boat
€57,500
Asking prices against our value
−5%
In November 2026 we found 5 boats of the Elan 38 for sale.
Typical asking price for a 1997 Elan 38: €54,900.
Our value for a Elan 38 of that year: €57,500.
The Elan 38 is offered about 5% below our value.
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 Elan 38 we found for sale most recently.
1998
11.95 m, Croatia
1997
12.00 m, Austria
1996
Greece
1995
12.00 m, Austria
1993
11.56 m, Croatia
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 Elan 38?
Yes.
For accepting the Elan 38 we look at type of boat, year, value, engine output and cruising area;
make and model alone rule nothing out.
What does cover for a Elan 38 cost?
The premium for the Elan 38 starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Elan 38 at the usual market value of €57,000 the premium is €1,046 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 €927, liability for €119.
Tariff as of 02.11.2026, your own boat may differ.
The online calculator tells you the exact figure in a couple of minutes,
with no name or phone number asked.
My model is spelled slightly differently, does this page still apply?
Yes.
Suffixes and spellings of the Elan 38 change with the year and the documents.
Write the name as in your papers; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover the agreed value applies to the Elan 38: the claim is settled at that value,
in the Premium tariff without limit and with no new-for-old deduction.
Can I switch from my existing insurer?
Yes, free of charge through the switching service: we cancel the old contract on your Elan 38,
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Elan 38 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
