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Insuring Four Winns: cover and premium

motorboats and sports boats · the USA

Four Winns builds motorboats and sports boats in the USA. NAMMERT insures a Four Winns regardless of year built or where you bought it, liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.

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At a glance

Origin

the USA

Class

motorboats and sports boats

Typical sizes

5 to 11 m

Premium from

from €49 a year for liability

Worth knowing

H-Reihe
HD-Reihe
TS-Reihe
Vista

Four Winns; cover, cost and conditions

Four Winns builds bowriders, deck boats and cabin boats in Michigan and belongs, like Glastron and Wellcraft, to Groupe Beneteau. The models lie between 5 and 11 metres, most of them on a trailer. With the larger Vista models with a cabin, a point is added that open boats do not have: on-board electrics, refrigeration, shore power connection. Cable fires and water damage from on-board systems are the most frequent hull insurance claim on cabin boats at the berth.

For Four Winns the same applies as for all American production boats in Europe: spare parts come in by import, not off the shelf. A hull repair is straightforward, but a spare part for the drive, a fitting or an instrument can take weeks and become expensive. That is an argument for setting the agreed value at the replacement value including freight costs, and not at the price you paid when you bought the boat.

Questions and answers

Frequent questions

Can you get spare parts for American boats in Europe?

For Four Winns: As a rule yes, but by import and with a waiting time.

Include that in the sum insured: replacement including freight is the benchmark,

not the purchase price.

The cover that fits

motorboat insurance

Tariffs, cover and FAQ for motorboat insurance in detail.

Third-party liability

The foundation for a boat from Four Winns: damage to third parties, worldwide,

from €49 a year for liability.

Hull cover

Partial or full hull cover for a Four Winns, at replacement value with an agreed fixed value.

For the whole class of boat

For Four Winns: What matters for motorboats and sports boats 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, Four Winns included.

Insuring motorboats and sports boats, every brand and every condition

Other builders in this class
Ebbtide Ecofiber Europe Marine Faeton Faster Fiberline Finnmaster Finval Fiskars Fletcher Formula Boats Fountain Powerboats Galia Gar Wood (Klassiker) Glastron Grady-White Grandezza Gugel Hacker-Craft Hardy Hellwig Hille Hinckley Dutch-built yachts

Directory of all makes from A to Z

Nautical information What counts before you cast off, papers, equipment, waters

Licence

A powerboat licence (inland or coastal) is required from 15 hp (11.03 kW).

Registration

Registration from 3 hp; for trips abroad carry the boat certificate or flag document.

Waters

Inland, coastal and abroad; plan fairways, bridge clearances, draught and tides.

Equipment

Lifesaving gear, fire extinguisher, anchor, signalling equipment and correct navigation lights.

Cruising range

The agreed cruising range is stated in the policy and can be extended at any time.

Weather

Check wind force in Beaufort and wind direction before casting off, and allow for gusts.

General guidance, not a complete account;

what governs are the rules of the waters you are on and the manual of your Four Winns.

Current wind force and direction for your waters are shown on the Home.

Series by Four Winns, with value and cover

Four Winns Horizon / Vista (classic)

Four Winns Horizon / Vista (classic) is a motorboat from Four Winns (the USA),

built from 1975 to 1998,

and today changes hands at between €6,000 and €28,000.

Four Winns H190 / H230

Four Winns H190 / H230 is a motorboat from Four Winns (the USA), built since 2010,

and today changes hands at between €35,000 and €110,000.

Four Winns HD4 / HD5

Four Winns HD4 / HD5 is a motorboat from Four Winns (the USA), built since 2019,

and today changes hands at between €80,000 and €200,000.

Vista 255 / 275

Vista 255 / 275 is a motor yacht from Four Winns (the USA), built from 2005 to 2022,

and today changes hands at between €45,000 and €165,000.

H / TS Serie

H / TS Serie is a motorboat from Four Winns (the USA), built since 2018,

and today changes hands at between €40,000 and €130,000.

Four Winns Freedom 160 / 200

Four Winns Freedom 160 / 200 is a motorboat from Four Winns (the USA), built from 1985 to 2002,

and today changes hands at between €4,000 and €16,000.

Four Winns Sundowner 195 / 245

Four Winns Sundowner 195 / 245 is a motor yacht from Four Winns (the USA), built from 1985 to 2002,

and today changes hands at between €7,000 and €26,000.

Four Winns Horizon 180 / 220

Four Winns Horizon 180 / 220 is a motorboat from Four Winns (the USA), built from 1990 to 2012,

and today changes hands at between €7,000 and €28,000.

Four Winns S 205 / 215 Bowrider

Four Winns S 205 / 215 Bowrider is a motorboat from Four Winns (the USA), built from 2000 to 2016,

and today changes hands at between €12,000 and €38,000.

Four Winns Horizon 192 / 210

Also a motorboat, built from 1990 to 2010, €6,000 to €24,000.

Four Winns Freedom 170 / Sundowner 225

Four Winns Freedom 170 / Sundowner 225 is a motorboat from Four Winns (the USA),

built from 1985 to 2004,

and today changes hands at between €5,000 and €20,000.

H1 / H2 / H4 / H6 (Bowrider)

H1 / H2 / H4 / H6 (Bowrider) is a motorboat from Four Winns (the USA), built since 2018,

and today changes hands at between €45,000 and €125,000.

HD 200 / HD 220 / HD 240 OB

HD 200 / HD 220 / HD 240 OB is a motorboat from Four Winns (the USA), built since 2019,

and today changes hands at between €65,000 and €145,000.

TH36 / TH38 Katamaran

TH36 / TH38 Katamaran is a motorboat from Four Winns (the USA), built since 2021,

and today changes hands at between €520,000 and €880,000.

What this means for the cover

For the Four Winns Horizon / Vista (classic) by Four Winns 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 Four Winns H190 / H230, Four Winns HD4 / HD5,

H / TS Serie by Four Winns and 3 more 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 Vista 255 / 275, Four Winns Freedom 160 / 200,

Four Winns Sundowner 195 / 245 by Four Winns and 4 more series the market value and the

replacement cost often differ widely.

An agreed value removes the age-based scale, and the figure in the policy stands.

For the Four Winns Horizon / Vista (classic), Four Winns H190 / H230,

Four Winns HD4 / HD5 by Four Winns and further series:

On a motorboat the drive is the single most valuable part.

Damage after grounding is covered, an engine failure from wear is not.

For the Vista 255 / 275, Four Winns Sundowner 195 / 245 by Four Winns series:

On motor yachts the drive and the electronics together make up about half the value.

Both belong in the valuation, otherwise the sum insured is too low.

All series at a glance

The Four Winns range in figures

These figures come from the model records we keep for Four Winns: boat type,

build years and length, nothing estimated.

motorboat
203 models, since 1978, mostly 5.4 to 8.1 m
motor yacht
59 models, since 1981, mostly 7.8 to 12.6 m

Which model was built when?

Sailing boat Motorboat RIBEach bar is one Four Winns model, running from its first to its last year of build. The colour shows the type of boat. Showing 24 of 262 models.

What does a used Four Winns cost?

We hold today’s price ranges by year for 229 models by Four Winns.

The table shows what boats in average condition are worth,

from the oldest to the youngest year on record.

Choose your exact model, year and condition in the calculator.

ModelYears builtRange today
Candia1997€14,400 to €18,300
Coast Runner 2031997€15,900 to €20,300
Coast Runner 2431997€20,500 to €26,100
Cruiser 2851991 to 1994€23,800 to €32,400
Cruiser 3151991 to 1994€27,600 to €39,300
Cruiser 3251991 to 1994€26,600 to €38,000
Cruiser 3651992 to 1994€62,600 to €86,800
Cruiser 365 E1991 to 1992€57,700 to €76,300
Fling1994 to 1998€4,200 to €10,000
Four Winns 1601981 to 1988€7,400 to €9,900
Four Winns 1701981 to 1982€7,400 to €9,600
Four Winns 171 Unlimited1997€9,300 to €11,900
Four Winns 1801981 to 1982€7,800 to €10,100
Four Winns 191 Unlimited1997€11,500 to €14,700
Four Winns 2041981 to 1982€9,800 to €12,600
Four Winns 4752010 to 2014€206,100 to €334,100
Four Winns F 2042008 to 2009€21,100 to €27,900
Four Winns F 2242008 to 2014€24,900 to €42,200
Four Winns F 2442008 to 2014€29,100 to €49,900
Four Winns F 2742008 to 2009€35,600 to €46,600
Four Winns H 180 LE2010 to 2011€14,700 to €21,700
Four Winns H 1832008 to 2011€13,000 to €18,200
Four Winns H 190 LE2010 to 2011€18,200 to €24,100
Four Winns H 2032008 to 2011€16,500 to €23,200
Four Winns H 2202007 to 2011€21,700 to €34,000
Four Winns H 220 SS2008 to 2012€22,400 to €34,900
Four Winns H 2402007 to 2011€29,200 to €43,800
Four Winns H 240 SS2010 to 2014€32,600 to €50,400
Four Winns H 310 SS2010 to 2014€63,400 to €97,900
Four Winns H1802008 to 2021€12,000 to €33,600
Four Winns H180 OB2015 to 2018€17,200 to €26,000
Four Winns H180 OB RS2013 to 2018€16,100 to €27,500
Four Winns H180 OB SS2013 to 2018€16,700 to €26,900
Four Winns H180 RS2013 to 2021€16,700 to €38,300
Four Winns H180 SS2010 to 2018€17,000 to €30,800
Four Winns H1902007 to 2024€14,400 to €43,400
Four Winns H190 RS2012 to 2024€21,400 to €54,300
Four Winns H190 SS2010 to 2018€18,100 to €32,700
Four Winns H2002008 to 2018€16,900 to €33,800
Four Winns H200 RS2013 to 2018€26,100 to €41,800
Four Winns H200 SS2007 to 2018€16,200 to €32,800
Four Winns H2102007 to 2024€18,800 to €63,700
Four Winns H210 RS2013 to 2024€29,800 to €84,600
Four Winns H210 SS2007 to 2018€19,200 to €50,600
Four Winns H2302011 to 2024€32,300 to €96,000
Four Winns H230 RS2013 to 2024€38,600 to €101,700
Four Winns H230 SS2015 to 2018€45,800 to €75,600
Four Winns H2602008 to 2024€32,900 to €122,400
Four Winns H260 RS2013 to 2024€49,700 to €136,900
Four Winns H260 SS2010 to 2018€39,900 to €92,200
Four Winns H2902013 to 2021€61,900 to €165,900
Four Winns H3102007 to 2016€47,100 to €98,800
Four Winns H3502015 to 2021€111,900 to €263,900
Four Winns H4402015 to 2016€252,200 to €342,800
Four Winns HC 1951995 to 1996€11,900 to €15,100
Four Winns HD 1 OB2021 to 2022€32,500 to €44,800
Four Winns HD 1 RS2021 to 2022€36,000 to €52,300
Four Winns HD 1802022 to 2024€40,200 to €55,000
Four Winns HD 180 OB2019 to 2021€23,300 to €33,600
Four Winns HD 180 OB RS2019 to 2021€23,300 to €33,600
Four Winns HD 180 RS2019 to 2021€29,000 to €42,200
Four Winns HD 2 OB2021 to 2024€38,900 to €55,100
Four Winns HD 2 OB RS2021 to 2024€38,900 to €55,100
Four Winns HD 2 RS2021 to 2024€45,200 to €70,100
Four Winns HD 2 Surf2021 to 2024€39,900 to €59,500
Four Winns HD 2 Surf RS2021 to 2024€45,200 to €70,100
Four Winns HD 2202017 to 2021€47,300 to €90,700
Four Winns HD 220 OB2017 to 2021€37,100 to €62,000
Four Winns HD 220 OB RS2017 to 2021€37,100 to €62,000
Four Winns HD 220 OB SS2017 to 2018€37,100 to €50,500
Four Winns HD 220 RS2017 to 2021€47,300 to €86,000
Four Winns HD 220 Surf2017 to 2021€47,300 to €90,700
Four Winns HD 2402017 to 2021€57,700 to €103,300
Four Winns HD 240 RS2017 to 2021€57,700 to €106,000
Four Winns HD 240 SS OB2016 to 2018€43,400 to €66,800
Four Winns HD 240 Surf2017 to 2021€57,700 to €106,000
Four Winns HD 32021 to 2024€57,500 to €88,100
Four Winns HD 3 OB2021 to 2024€53,800 to €77,100
Four Winns HD 3 OB RS2021 to 2024€53,800 to €77,100
Four Winns HD 3 RS2021 to 2024€57,500 to €88,100
Four Winns HD 3 Surf2021 to 2024€69,600 to €104,300
Four Winns HD 3 Surf RS2021 to 2024€63,100 to €96,300
Four Winns HD 52021 to 2024€77,600 to €116,400
Four Winns HD 5 OB RS2021 to 2024€62,800 to €87,700
Four Winns HD 5 Surf2021 to 2024€66,700 to €97,200
Four Winns HD 5 Surf RS2021 to 2024€66,700 to €97,200
Four Winns HD 82021 to 2024€91,800 to €136,500
Four Winns HD 8 OB2021 to 2024€78,300 to €109,500
Four Winns HD 8 OB RS2021 to 2024€78,300 to €109,500
Four Winns HD 8 RS2021 to 2024€91,800 to €136,500
Four Winns HD 8 Surf2021 to 2024€92,300 to €130,400
Four Winns HD 8 Surf RS2021 to 2024€88,300 to €128,600
Four Winns Horizon Series RX1997€10,500 to €13,300
Four Winns S 2152007 to 2010€26,100 to €36,500
Four Winns S2151987 to 2016€14,800 to €41,800
Four Winns S215 RS2013 to 2015€29,000 to €40,200
Four Winns S215 SS2013 to 2016€29,000 to €50,600
Four Winns S2351987 to 2016€16,100 to €57,800
Four Winns S235 RS2013 to 2016€36,400 to €55,000
Four Winns S235 SS2013 to 2016€33,700 to €55,300
Four Winns S2652013 to 2016€43,700 to €75,800
Four Winns S265 RS2013 to 2016€45,700 to €72,300
Four Winns S265 SS2013 to 2016€50,100 to €75,600
Four Winns SL 2622008 to 2014€35,200 to €58,800
Four Winns SL2222008 to 2015€26,800 to €46,500
Four Winns SL2422008 to 2015€29,800 to €55,800
Four Winns TS2222015 to 2018€43,500 to €69,800
Four Winns V 2582007 to 2010€32,800 to €46,400
Four Winns V 2882007 to 2014€45,900 to €82,100
Four Winns V 3182007 to 2009€65,900 to €91,500
Four Winns V 3382007 to 2009€66,900 to €94,300
Four Winns V 3582007 to 2009€77,400 to €109,200
Four Winns V 3782008 to 2009€128,300 to €171,000
Four Winns V 4082009€173,300 to €220,500
Four Winns V 4582008 to 2009€200,300 to €267,800
Four Winns V2552016 to 2024€46,300 to €103,600
Four Winns V2652010 to 2014€44,100 to €68,000
Four Winns V2752014 to 2024€59,200 to €160,200
Four Winns V2852010 to 2011€47,000 to €63,500
Four Winns V3052011 to 2015€65,100 to €100,000

Estimate my boat

Estimate from our boat records, October 2026.

Not a survey.

Models by Four Winns we insure

Each Four Winns model has its own page with cover, cost and the points that matter for that boat.

Your model not listed?

We insure it all the same.

Four Winns 205 Sundowner Four Winns 215 Sundower Four Winns 278 Vista Four Winns Sundowner 195 Four Winns Sundowner 245 Four Winns 248 Vista Four Winns Freedom 180 Four Winns S215 Four Winns Vista 238 Four Winns 160 Freedom Four Winns 170 Freedom Four Winns 220 Horizon Four Winns 225 Sundowner Four Winns 268 Vista Four Winns 192 Horizon Four Winns 258 Vista Four Winns Bowrider Horizon 180 Four Winns H 200 SS Four Winns Horizon 210 Four Winns Vista 245 Four Winns H1 Four Winns H2 Four Winns H4 Four Winns H6 Four Winns H9 Four Winns H33 Four Winns HD2 Four Winns HD3 Four Winns HD5 Four Winns HD8
Motorboat with wheelhouse leaving harbour

Four Winns insured in five minutes.

Boat type, year built, length and value of your Four Winns are all we need.

Work out the premium online or call us: +49 3375 29 12 77.

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Four Winns: from €49 a year for liability

5 minutes · policy today

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