Insuring Fanatic: cover and premium
dinghies and small craft · Germany
Fanatic builds dinghies and small craft in Germany. NAMMERT insures a Fanatic regardless of year built or where you bought it, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
Germany
Class
dinghies and small craft
Typical sizes
3 to 4 m
Premium from
from €59 a year for hull cover
Worth knowing
Fanatic; cover, cost and conditions
Fanatic has been building windsurf boards since 1981 and today also SUP boards and foils, a German brand with a long history in competitive sport. The range extends from inflatable leisure boards to carbon race boards and foil boards, and the values spread accordingly from three figures to four figures.
With foil boards the wing is the item that needs attention. A carbon foil projects below the board, is the first thing to make contact whenever something goes wrong and costs a considerable part of the value of the set to repair or to replace. Under full hull cover, damage to the foil from collision and grounding is covered, wear and delamination are not. Check the deductible against the price of a replacement foil.
For windsurfers the rig is the second carrier of value. Sails, masts, booms and fins belong in the application as accessories, only declared values are replaced, and a complete set of sails is a four-figure item. If you use the equipment in competition you need the racing extension. We do not write third-party liability for muscle-powered craft, and your private liability insurance is the right contact here.
Questions and answers
Frequent questions
Is damage to the foil covered?
For Fanatic: Under full hull cover, yes, in the event of collision and grounding.
Wear and delamination are not.
A replacement foil costs a considerable part of the value of the set.
How do I insure several sails?
For Fanatic: As accessories with their own item in the application.
A complete set of sails is a four-figure item and can only be replaced if it has been declared.
The cover that fits
For Fanatic we do not offer separate boat liability cover; your personal liability insurance usually applies. Hull, legal expenses and accident cover we insure as for any other craft.
boat insurance
Tariffs, cover and FAQ for boat insurance in detail.
Hull cover
Partial or full hull cover for a Fanatic, at replacement value with an agreed fixed value.
Personal accident cover
People on board a Fanatic: the part that counts on a boat moved by muscle.
For the whole class of boat
For Fanatic: What matters for dinghies and small craft is the same across every brand;
engine output, how a claim is settled, cruising range and theft protection.
The class page lists every point and every brand in this class, Fanatic included.
Insuring dinghies and small craft, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
No licence required; muscle-powered craft are licence-free, federal waterways included.
Registration
No registration required.
Some waters do ask for a local permit or sticker before you launch.
Waters
Lakes, rivers and coast; mind nature-reserve rules, many stretches close seasonally.
Equipment
Buoyancy aid, buoyancy bags, spraydeck, a waterproof case for phone and papers, a whistle.
Cruising range
The cruising range is in the policy and can be extended for a single trip at any time.
Weather
Offshore wind is the main risk.
Check wind direction and the gust forecast before you launch.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Fanatic.
Current wind force and direction for your waters are shown on the Home.
Series by Fanatic, with value and cover
Fanatic Ultra Cat / Bee (classic) is a sailing dinghy from Fanatic (Germany),
built from 1981 to 1995,
and today changes hands at between €1,000 and €3,000.
Fanatic Fly Air / Ray Air is a paddle boat from Fanatic (Germany), built since 2012,
and today changes hands at between €1,000 and €3,000.
Fanatic Sky SUP Foil is a paddle boat from Fanatic (Germany), built since 2018,
and today changes hands at between €1,000 and €4,000.
Fanatic SUP und Windsurfboard is a paddle boat from Fanatic (Germany), built since 1985,
and today changes hands at between €1,000 and €4,000.
Fly Air / Ray Air is a paddle boat from Fanatic (Germany), built since 2010,
and today changes hands at between €1,000 and €3,000.
Sky SUP / Foil is a paddle boat from Fanatic (Germany), built since 2016,
and today changes hands at between €2,000 and €6,000.
Fly Air / Ray Air / Viper Air is a motorboat from Fanatic (Germany), built since 2010,
and today changes hands at between €600 and €1,800.
Sky SUP / Foil und Windsurf is a motorboat from Fanatic (Germany), built since 2015,
and today changes hands at between €1,200 and €3,200.
For the Fanatic Ultra Cat / Bee (classic) by Fanatic series there is no list price left.
That is why we work with an agreed value: you state the figure, we agree it,
and in a total loss exactly that amount is paid, with no deduction for wear.
As the Fanatic Fly Air / Ray Air, Fanatic Sky SUP Foil,
Fanatic SUP und Windsurfboard by Fanatic and 2 more series are still in production,
parts are available and repairs are predictable.
Still, set the value at replacement cost, including sails, rigging or gear you bought later.
As the Fly Air / Ray Air / Viper Air and Sky SUP / Foil und Windsurf by Fanatic series are still
in production, parts are available and repair costs are predictable.
Even so, value it at replacement cost including retrofitted electronics, not at list price.
For the Fanatic Ultra Cat / Bee (classic) by Fanatic series:
Dinghies are mostly trailed and stored ashore,
and that is where most damage happens: rigging, strapping down and winter storage.
For the Fanatic Fly Air / Ray Air, Fanatic Sky SUP Foil,
Fanatic SUP und Windsurfboard by Fanatic and further series:
On paddle craft theft and transit damage are the rule, collisions the exception.
Fanatic insured in five minutes.
Boat type, year built, length and value of your Fanatic are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
