Fairline Phantom 38 insurance: calculate your premium
Model page, insured as a motor yacht
Year, place of purchase and previous owners do not decide whether we insure the Fairline Phantom 38: we write it as a motor yacht. Five minutes online cover everything from liability and hull to legal expenses and personal accident.
At a glance
- Make
- Fairline
- Type of boat
- motor yacht
- Length overall
- 12.23 m
- Built
- 1994 to 2007
Length from our boat catalogue for the 1994–2007 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,715 a year
or €156 a month if paid monthly
Liability and hull · boat value €128,000 (market value) · built 2002 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€1,173 a month
Purchase price €128,000 (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.
Fairline Phantom 38: cover, cost and conditions
How much does the name Fairline Phantom 38 matter to the premium? Hardly at all. What counts is the type of boat, the year, the value, the engine output and the cruising area, the five fields of the online calculator.
What should you budget for the Fairline Phantom 38? It starts from €49 a year. For a Fairline Phantom 38 at the usual market value of €128,000 the premium is €1,715 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed), hull excess €1,000, paid annually. Hull cover accounts for €1,566, liability for €149. Tariff as of 02.11.2026, your own boat may differ. Hull cover follows the value of the boat. Partial: fire, storm, lightning, theft of the whole boat, winter storage. Full, on top: collision, grounding, vandalism, theft of parts. A total loss means the agreed value, in the Premium tariff without new-for-old deductions.
The Fairline Phantom 38 may be second hand, imported or ordered new, and the berth may be at home or abroad: we write it in each of these cases. The international certificate of insurance comes by itself in ten languages, and cover taken out before the handover already includes transport and the first launch.
Not to be mixed up with its sisters: this is the Fairline Phantom 38, number thirty-eight.
What is a used Fairline Phantom 38 worth?
A used Fairline Phantom 38 built between 1997 and 2004 in average condition is typically worth
between €92,500 and €153,000 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2004 | €120,200 to €153,000 | €136,600 |
| 2003 | €117,600 to €149,600 | €133,600 |
| 2002 | €114,600 to €145,800 | €130,200 |
| 2001 | €110,400 to €140,500 | €125,400 |
| 2000 | €103,700 to €132,100 | €117,900 |
| 1999 | €118,300 to €150,500 | €134,400 |
| 1998 | €92,500 to €117,700 | €105,100 |
| 1997 | €94,600 to €120,400 | €107,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Fairline Phantom 38;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 3% off the value of a Fairline Phantom 38.
Market today
For sale in November 2026
12
Typical asking price, 2001 boat
€145,100
Our value, 2001 boat
€125,400
Asking prices against our value
+16%
In November 2026 we found 12 boats of the Fairline Phantom 38 for sale.
Typical asking price for a 2001 Fairline Phantom 38: €145,100.
Our value for a Fairline Phantom 38 of that year: €125,400.
Asking prices for the Fairline Phantom 38 are about 16% above 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 12 boats of the Fairline Phantom 38 we found for sale most recently.
2002
12.50 m, Germany
2001
France
2001
12.50 m, Sweden
2001
Finland
2001
12.32 m, United Kingdom
2001
11.68 m, United Kingdom
2001
11.58 m, United Kingdom
1999
United Kingdom
1999
Germany
1999
12.19 m, Denmark
1998
12.00 m, Austria
1997
12.73 m, United Kingdom
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 Fairline Phantom 38?
Yes, the Fairline Phantom 38 is insurable with us.
What decides is not make and model but five figures: type of boat, year, value,
engine output and cruising area.
What does cover for a Fairline Phantom 38 cost?
It starts from €49 a year.
For a Fairline Phantom 38 at the usual market value of €128,000 the premium is €1,715 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed),
hull excess €1,000, paid annually.
Hull cover accounts for €1,566, liability for €149.
Tariff as of 02.11.2026, your own boat may differ.
What your Fairline Phantom 38 costs exactly you can work out online in a few minutes,
and you need no contact details to do it.
My model is spelled slightly differently, does this page still apply?
Yes.
The Fairline Phantom 38 appears in papers and brochures under slightly different names.
Premium and cover go by the technical data, and you enter the name as it stands in your papers.
On a total loss, do I get the replacement value?
Yes, provided you have full cover: we pay the agreed value for the Fairline Phantom 38,
in Premium without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service handles the cancellation of the existing contract for the Fairline Phantom
38 free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Fairline Phantom 38 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
