Elan 43 insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Elan 43 (forty-three) as a sailing yacht, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
- Make
- Elan
- Type of boat
- sailing yacht
- Length overall
- 12.99 m
- Built
- 1983 to 2008
Length from our boat catalogue for the 1983–2008 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,030 a year
or €93 a month if paid monthly
Liability and hull · boat value €52,000 (market value) · built 1990 · North Sea, Baltic and Mediterranean
Finance, example
€476 a month
Purchase price €52,000 (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 43: cover, cost and conditions
Elan 43 (forty-three): for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.
What does cover for a Elan 43 (forty-three) cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Elan 43 at the usual market value of €52,000 the premium is €1,030 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 €911, liability for €119. Tariff as of 02.11.2026, your own boat may differ. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.
Bought used, imported or ordered new: we write the Elan 43 (forty-three) with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.
Not to be mixed up with its sisters: this is the Elan 43, number forty-three.
What is a used Elan 43 worth?
A used Elan 43 built between 1988 and 1990 in average condition is typically worth between €44,400
and €58,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1990 | €45,900 to €58,500 | €52,200 |
| 1989 | €45,300 to €57,700 | €51,500 |
| 1988 | €44,400 to €56,500 | €50,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Elan 43;
with actual-value cover, the value at the time.
Does your sum still fit?
Market today
For sale in November 2026
4
Typical asking price, 1989 boat
€45,900
Our value, 1989 boat
€51,500
Asking prices against our value
−11%
In November 2026 we found 4 boats of the Elan 43 for sale.
Typical asking price for a 1989 Elan 43: €45,900.
Our value for a Elan 43 of that year: €51,500.
The Elan 43 is offered about 11% 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 4 boats of the Elan 43 we found for sale most recently.
1990
Denmark
1990
13.11 m, Norway
1989
Denmark
1989
13.11 m, Denmark
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 43?
Yes.
Neither the make nor the model decides whether the Elan 43 (forty-three) is insurable.
What counts is the type of boat, its year, its value, its engine output and the waters you sail.
What does cover for a Elan 43 cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Elan 43 at the usual market value of €52,000 the premium is €1,030 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 €911, liability for €119.
Tariff as of 02.11.2026, your own boat may differ.
The exact premium takes a few minutes in the online calculator, with no contact details required.
My model is spelled slightly differently, does this page still apply?
Yes.
Spellings and suffixes of the Elan 43 (forty-three) vary with the papers and the model year.
Enter the name as it appears in your documents; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover, yes: the Elan 43 (forty-three) is settled at the agreed value,
and in the Premium tariff without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service cancels the old contract for your Elan 43 (forty-three) free of charge,
you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Elan 43 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
