Fjord 40 Open insurance: calculate your premium
Model page, insured as a motor yacht
The Fjord 40 Open is insurable with us as a motor 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
- Fjord
- Type of boat
- motor yacht
- Length overall
- 12.27 m
- Built
- since 2004
Length from our boat catalogue for the 2004–2026 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,740 a year
or €250 a month if paid monthly
Liability and hull · boat value €233,000 (market value) · built 2014 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€2,135 a month
Purchase price €233,000 (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.
Fjord 40 Open: cover, cost and conditions
For the Fjord 40 Open 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 Fjord 40 Open starts from €49 a year. For a Fjord 40 Open at the usual market value of €233,000 the premium is €2,740 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 €2,591, liability for €149. Tariff as of 28.10.2026, 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 Fjord 40 Open 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 Fjord 40 Open, number forty.
What is a used Fjord 40 Open worth?
A used Fjord 40 Open built between 2007 and 2021 in average condition is typically worth between
€125,800 and €529,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2021 | €415,700 to €529,100 | €472,400 |
| 2020 | €380,300 to €484,100 | €432,200 |
| 2019 | €357,800 to €455,400 | €406,600 |
| 2018 | €321,700 to €409,400 | €365,500 |
| 2017 | €292,400 to €372,200 | €332,300 |
| 2016 | €229,900 to €292,500 | €261,200 |
| 2015 | €213,700 to €272,000 | €242,900 |
| 2014 | €196,900 to €250,600 | €223,700 |
| 2013 | €185,300 to €235,800 | €210,600 |
| 2012 | €171,700 to €218,500 | €195,100 |
| 2011 | €167,700 to €213,500 | €190,600 |
| 2009 | €143,800 to €183,000 | €163,400 |
| 2008 | €130,900 to €166,600 | €148,700 |
| 2007 | €125,800 to €160,200 | €143,000 |
With agreed-value cover, the agreed sum counts after a total loss of your Fjord 40 Open;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 8% off the value of a Fjord 40 Open.
Market today
For sale in October 2026
5
Typical asking price, 2015 boat
€353,700
Our value, 2015 boat
€242,900
Asking prices against our value
+46%
In October 2026 we found 5 boats of the Fjord 40 Open for sale.
Typical asking price for a 2015 Fjord 40 Open: €353,700.
Our value for a Fjord 40 Open of that year: €242,900.
Asking prices for the Fjord 40 Open are about 46% 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 5 boats of the Fjord 40 Open we found for sale most recently.
2019
11.99 m, Switzerland
2014
11.99 m, Spain
2009
12.19 m, Norway
2009
11.99 m, Italy
2008
11.99 m, Italy
As of October 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 October 2026. Not a survey.
Frequently asked
Does NAMMERT insure the Fjord 40 Open?
Yes.
Whether we insure the Fjord 40 Open depends not on make or model but on type of boat, year, value,
engine output and cruising area.
What does cover for a Fjord 40 Open cost?
For the Fjord 40 Open the premium starts from €49 a year.
For a Fjord 40 Open at the usual market value of €233,000 the premium is €2,740 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 €2,591, liability for €149.
Tariff as of 28.10.2026, 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 Fjord 40 Open, 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 Fjord 40 Open 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 Fjord 40 Open 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
Fjord 40 Open insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
