Fairline Phantom 46 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 46 (forty-six): 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
- 14.46 m
- Built
- 1996 to 2010
Length from our boat catalogue for the 1996–2010 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,588 a year
or €236 a month if paid monthly
Liability and hull · boat value €201,000 (market value) · built 2003 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€1,842 a month
Purchase price €201,000 (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 46: cover, cost and conditions
How much does the name Fairline Phantom 46 (forty-six) 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 46 (forty-six)? It starts from €49 a year. For a Fairline Phantom 46 at the usual market value of €201,000 the premium is €2,588 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 €2,439, 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 46 (forty-six) 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 46, number forty-six.
What is a used Fairline Phantom 46 worth?
A used Fairline Phantom 46 built between 1999 and 2007 in average condition is typically worth
between €151,300 and €259,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2007 | €203,900 to €259,500 | €231,700 |
| 2006 | €198,800 to €253,100 | €225,900 |
| 2005 | €190,300 to €242,200 | €216,200 |
| 2004 | €184,700 to €235,100 | €209,900 |
| 2003 | €176,400 to €224,500 | €200,500 |
| 2002 | €164,800 to €209,800 | €187,300 |
| 2001 | €157,200 to €200,100 | €178,600 |
| 2000 | €151,300 to €192,500 | €171,900 |
| 1999 | €153,700 to €195,600 | €174,700 |
With agreed-value cover, the agreed sum counts after a total loss of your Fairline Phantom 46;
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 46.
Market today
For sale in November 2026
9
Typical asking price, 2003 boat
€218,700
Our value, 2003 boat
€200,500
Asking prices against our value
+9%
In November 2026 we found 9 boats of the Fairline Phantom 46 for sale.
Typical asking price for a 2003 Fairline Phantom 46: €218,700.
Our value for a Fairline Phantom 46 of that year: €200,500.
Asking prices for the Fairline Phantom 46 are about 9% 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 9 boats of the Fairline Phantom 46 we found for sale most recently.
2005
14.60 m, Croatia
2005
14.59 m, Croatia
2004
14.59 m, Spain
2004
14.59 m, United Kingdom
2004
Croatia
2004
14.59 m, Germany
2004
14.59 m, Netherlands
2004
14.02 m, Croatia
2003
14.59 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 46?
Yes, the Fairline Phantom 46 (forty-six) 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 46 cost?
It starts from €49 a year.
For a Fairline Phantom 46 at the usual market value of €201,000 the premium is €2,588 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 €2,439, liability for €149.
Tariff as of 02.11.2026, your own boat may differ.
What your Fairline Phantom 46 (forty-six) 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 46 (forty-six) 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 46 (forty-six),
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
46 (forty-six) free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Fairline Phantom 46 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
