Elan 40 insurance: calculate your premium
Model page, insured as a sailing yacht
For us the Elan 40 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
- Elan
- Type of boat
- sailing yacht
- Length overall
- 12.18 m
- Built
- 1997 to 2012
Length from our boat catalogue for the 1997–2012 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,215 a year
or €110 a month if paid monthly
Liability and hull · boat value €73,000 (market value) · built 2005 · North Sea, Baltic and Mediterranean
Finance, example
€669 a month
Purchase price €73,000 (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 40: cover, cost and conditions
The premium for the Elan 40 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 Elan 40 starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Elan 40 at the usual market value of €73,000 the premium is €1,215 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 €1,096, liability for €119. Tariff as of 02.11.2026, 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 Elan 40 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 Elan 40, number forty.
What is a used Elan 40 worth?
A used Elan 40 built between 2000 and 2009 in average condition is typically worth between €57,600
and €90,200 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2009 | €70,800 to €90,200 | €80,500 |
| 2008 | €68,700 to €87,500 | €78,100 |
| 2007 | €66,600 to €84,800 | €75,700 |
| 2006 | €65,600 to €83,500 | €74,500 |
| 2005 | €64,300 to €81,900 | €73,100 |
| 2004 | €63,100 to €80,300 | €71,700 |
| 2003 | €64,000 to €81,400 | €72,700 |
| 2002 | €63,000 to €80,200 | €71,600 |
| 2001 | €60,200 to €76,600 | €68,400 |
| 2000 | €57,600 to €73,400 | €65,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Elan 40;
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 40.
Market today
For sale in November 2026
4
Typical asking price, 2005 boat
€70,700
Our value, 2005 boat
€73,100
Asking prices against our value
−3%
In November 2026 we found 4 boats of the Elan 40 for sale.
Typical asking price for a 2005 Elan 40: €70,700.
Our value for a Elan 40 of that year: €73,100.
The Elan 40 is offered about 3% 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 40 we found for sale most recently.
2005
12.35 m, France
2003
Czech Republic
2003
11.90 m, Croatia
2003
12.20 m, United Kingdom
2003
United Kingdom
Take care with prices far below the market: fraud does occur.
Never pay in advance, see the boat in person and check papers and ownership.
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 40?
Yes.
We accept a Elan 40 like any other boat: type of boat, year, value,
engine output and cruising area decide, not the builder.
What does cover for a Elan 40 cost?
Cover for the Elan 40 starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Elan 40 at the usual market value of €73,000 the premium is €1,215 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 €1,096, liability for €119.
Tariff as of 02.11.2026, 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 Elan 40 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 Elan 40 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 Elan 40 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
Elan 40 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
