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Four Winns HD3 insurance: calculate your premium

Model page, insured as a motorboat

We insure the Four Winns HD3 as a motorboat, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.

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At a glance

Make

Four Winns

Type of boat

motorboat

Premium from

from €49 a year

Technical data

Length overall

Manufacturer figures for the Four Winns HD3, 2026 model year. Premium and cover follow the figures in your own papers.

Four Winns HD3: cover, cost and conditions

Four Winns HD3: for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.

For the Four Winns HD3: On a motorboat the drive is the single most valuable part. Damage after grounding or collision is covered under full cover, an engine failure from wear is not. If an outboard sits on the transom it belongs in the policy with make, output and serial number, otherwise a theft claim settles the hull alone.

What does cover for a Four Winns HD3 cost? The premium starts from €49 a year. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.

Bought used, imported or ordered new: we write the Four Winns HD3 with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.

Frequently asked

Does NAMMERT insure the Four Winns HD3?

Yes. Neither the make nor the model decides whether the Four Winns HD3 is insurable. What counts is the type of boat, its year, its value, its engine output and the waters you sail.

What does cover for a Four Winns HD3 cost?

For the Four Winns HD3: Cover starts from €49 a year. The exact premium takes a few minutes in the online calculator, with no contact details required.

My model is spelled slightly differently, does this page still apply?

Yes. Spellings and suffixes of the Four Winns HD3 vary with the papers and the model year. Enter the name as it appears in your documents; the technical figures decide premium and cover.

On a total loss, do I get the replacement value?

Under full cover, yes: the Four Winns HD3 is settled at the agreed value, and in the Premium tariff without limit and with no deduction for new-for-old.

Can I switch from my existing insurer?

Yes. Our switching service cancels the old contract for your Four Winns HD3 free of charge, you pay only once it has run out, and you keep a permanent switching discount.

Other models by this make

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

All models by Four Winns

Segelyacht in Seitenansicht vom Wasser aus

Four Winns HD3 insured in five minutes.

Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.

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