Elan 431 insurance: calculate your premium
Model page, insured as a sailing yacht
The Elan 431 (four hundred thirty-one) 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
- Elan
- Type of boat
- sailing yacht
- Length overall
- 13.41 m
- Built
- 1987 to 2003
Length from our boat catalogue for the 1987–2003 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,187 a year
or €108 a month if paid monthly
Liability and hull · boat value €61,000 (market value) · built 1995 · North Sea, Baltic and Mediterranean
Finance, example
€559 a month
Purchase price €61,000 (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 431: cover, cost and conditions
For the Elan 431 (four hundred thirty-one) 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 Elan 431 (four hundred thirty-one) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Elan 431 at the usual market value of €61,000 the premium is €1,187 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 €1,068, liability for €119. Tariff as of 02.11.2026, 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 Elan 431 (four hundred thirty-one) 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 Elan 431, number four hundred thirty-one.
What is a used Elan 431 worth?
A used Elan 431 built between 1990 and 2000 in average condition is typically worth between
€46,100 and €75,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2000 | €58,400 to €74,400 | €66,400 |
| 1999 | €57,400 to €73,000 | €65,200 |
| 1998 | €59,000 to €75,100 | €67,000 |
| 1997 | €56,000 to €71,300 | €63,600 |
| 1996 | €54,500 to €69,400 | €61,900 |
| 1995 | €53,200 to €67,800 | €60,500 |
| 1994 | €52,200 to €66,400 | €59,300 |
| 1993 | €51,100 to €65,100 | €58,100 |
| 1992 | €48,400 to €61,600 | €55,000 |
| 1991 | €47,400 to €60,300 | €53,800 |
| 1990 | €46,100 to €58,700 | €52,400 |
With agreed-value cover, the agreed sum counts after a total loss of your Elan 431;
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 431.
Market today
For sale in November 2026
6
Typical asking price, 1995 boat
€57,000
Our value, 1995 boat
€60,500
Asking prices against our value
−6%
In November 2026 we found 6 boats of the Elan 431 for sale.
Typical asking price for a 1995 Elan 431: €57,000.
Our value for a Elan 431 of that year: €60,500.
The Elan 431 is offered about 6% 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 6 boats of the Elan 431 we found for sale most recently.
1999
13.11 m, Norway
1997
13.00 m, Croatia
1997
13.11 m, Sweden
1993
Italy
1993
12.98 m, Italy
1993
13.50 m, international
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 431?
Yes.
Whether we insure the Elan 431 (four hundred thirty-one) depends not on make or model but on type
of boat, year, value, engine output and cruising area.
What does cover for a Elan 431 cost?
For the Elan 431 (four hundred thirty-one) the premium starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Elan 431 at the usual market value of €61,000 the premium is €1,187 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 €1,068, liability for €119.
Tariff as of 02.11.2026, 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 Elan 431 (four hundred thirty-one),
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 Elan 431 (four hundred thirty-one) 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 Elan 431 (four hundred thirty-one) 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
Elan 431 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
