Fairline Phantom 40 insurance: calculate your premium
Model page, insured as a motor yacht
If you own a Fairline Phantom 40, you insure it with us as a motor 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
- Fairline
- Type of boat
- motor yacht
- Length overall
- 12.32 m
- Built
- 1991 to 2014
Length from our boat catalogue for the 1991–2014 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,211 a year
or €201 a month if paid monthly
Liability and hull · boat value €170,000 (market value) · built 2004 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€1,557 a month
Purchase price €170,000 (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 40: cover, cost and conditions
Five figures decide what cover for the Fairline Phantom 40 costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Fairline Phantom 40 the premium starts from €49 a year. For a Fairline Phantom 40 at the usual market value of €170,000 the premium is €2,211 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 €2,062, liability for €149. 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 Fairline Phantom 40 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 Fairline Phantom 40, number forty.
What is a used Fairline Phantom 40 worth?
A used Fairline Phantom 40 built between 1994 and 2011 in average condition is typically worth
between €90,900 and €245,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2011 | €192,900 to €245,500 | €219,200 |
| 2010 | €181,500 to €231,000 | €206,200 |
| 2009 | €171,700 to €218,500 | €195,100 |
| 2008 | €164,000 to €208,700 | €186,300 |
| 2007 | €158,500 to €201,700 | €180,100 |
| 2006 | €155,000 to €197,300 | €176,100 |
| 2005 | €151,700 to €193,100 | €172,400 |
| 2004 | €148,200 to €188,600 | €168,400 |
| 2003 | €145,000 to €184,600 | €164,800 |
| 1998 | €101,500 to €129,200 | €115,300 |
| 1997 | €104,800 to €133,400 | €119,100 |
| 1996 | €98,700 to €125,700 | €112,200 |
| 1995 | €96,400 to €122,700 | €109,600 |
| 1994 | €90,900 to €115,700 | €103,300 |
With agreed-value cover, the agreed sum counts after a total loss of your Fairline Phantom 40;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 4% off the value of a Fairline Phantom 40.
Market today
For sale in November 2026
10
Typical asking price, 2005 boat
€208,500
Our value, 2005 boat
€172,400
Asking prices against our value
+21%
In November 2026 we found 10 boats of the Fairline Phantom 40 for sale.
Typical asking price for a 2005 Fairline Phantom 40: €208,500.
Our value for a Fairline Phantom 40 of that year: €172,400.
Asking prices for the Fairline Phantom 40 are about 21% 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 10 boats of the Fairline Phantom 40 we found for sale most recently.
2008
12.53 m, international
2005
12.53 m, United Kingdom
2005
Sweden
2005
Sweden
2004
12.50 m, United Kingdom
2004
12.19 m, Norway
2004
12.53 m, United Kingdom
1996
12.40 m, Croatia
1996
12.50 m, Germany
1996
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 40?
Yes.
For accepting the Fairline Phantom 40 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 Fairline Phantom 40 cost?
The premium for the Fairline Phantom 40 starts from €49 a year.
For a Fairline Phantom 40 at the usual market value of €170,000 the premium is €2,211 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 €2,062, liability for €149.
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 Fairline Phantom 40 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 Fairline Phantom 40:
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 Fairline Phantom 40,
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Fairline Phantom 40 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
