Fjord 41 XL 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 Fjord 41 XL (forty-one): 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
- Fjord
- Type of boat
- motor yacht
- Length overall
- 12.68 m
- Built
- since 2018
Length from our boat catalogue for the 2018–2026 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€4,707 a year
or €430 a month if paid monthly
Liability and hull · boat value €560,000 (market value) · built 2023 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€5,131 a month
Purchase price €560,000 (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 41 XL: cover, cost and conditions
How much does the name Fjord 41 XL (forty-one) 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 Fjord 41 XL (forty-one)? It starts from €49 a year. For a Fjord 41 XL at the usual market value of €560,000 the premium is €4,707 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed), hull excess €2,500, paid annually. Hull cover accounts for €4,558, liability for €149. Tariff as of 28.10.2026, 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 Fjord 41 XL (forty-one) 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 Fjord 41 XL, number forty-one.
What is a used Fjord 41 XL worth?
A used Fjord 41 XL built between 2021 and 2024 in average condition is typically worth between
€432,000 and €627,800 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €493,300 to €627,800 | €560,500 |
| 2023 | €493,000 to €627,400 | €560,200 |
| 2021 | €432,000 to €549,800 | €490,900 |
With agreed-value cover, the agreed sum counts after a total loss of your Fjord 41 XL;
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 Fjord 41 XL.
Market today
For sale in October 2026
5
Typical asking price, 2023 boat
€713,100
Our value, 2023 boat
€560,200
Asking prices against our value
+27%
In October 2026 we found 5 boats of the Fjord 41 XL for sale.
Typical asking price for a 2023 Fjord 41 XL: €713,100.
Our value for a Fjord 41 XL of that year: €560,200.
Asking prices for the Fjord 41 XL are about 27% 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 7 boats of the Fjord 41 XL we found for sale most recently.
2023
12.15 m, Germany
2023
France
2023
12.80 m, Spain
2021
12.67 m, France
2026
12.81 m, United Kingdom
year newer than our values
€795,000
Listing on apolloduck.com ↗2025
Croatia
year newer than our values
€819,800
Listing on scanboat.com ↗2022
12.15 m, Spain
year newer than our values
€625,000
Listing on yachtall.com ↗
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 41 XL?
Yes, the Fjord 41 XL (forty-one) 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 Fjord 41 XL cost?
It starts from €49 a year.
For a Fjord 41 XL at the usual market value of €560,000 the premium is €4,707 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed),
hull excess €2,500, paid annually.
Hull cover accounts for €4,558, liability for €149.
Tariff as of 28.10.2026, your own boat may differ.
What your Fjord 41 XL (forty-one) 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 Fjord 41 XL (forty-one) 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 Fjord 41 XL (forty-one),
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 Fjord 41 XL
(forty-one) free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Fjord 41 XL insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
