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Four Winns HD3 insurance: calculate your premium
Model page, insured as a motorboat
If you own a Four Winns HD3 (three), you insure it with us as a motorboat, however old it is, wherever it was bought and through however many hands it passed. Liability, hull, legal expenses and personal accident come from one house and are arranged online in five minutes.
At a glance
- Make
- Four Winns
- Type of boat
- motorboat
- Length overall
- 6.70 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
€923 a year
or €84 a month if paid monthly
Liability and hull · boat value €76,000 (market value) · built 2023 · 110 hp assumed · inland waters
Finance, example
€696 a month
Purchase price €76,000 (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.
Four Winns HD3: cover, cost and conditions
Five figures decide what cover for the Four Winns HD3 (three) costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Four Winns HD3 (three) the premium starts from €49 a year. For a Four Winns HD3 at the usual market value of €76,000 the premium is €923 a year: liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €500, paid annually. Hull cover accounts for €814, liability for €109. Tariff as of 19.10.2026, your own boat may differ; the hull share follows the value. Partial cover insures fire, storm, lightning, theft of the whole boat and winter storage damage, full cover adds collision, grounding, vandalism and theft of parts. On a total loss the agreed value applies, in Premium with no deduction for new-for-old.
Berth in Germany or abroad, bought from a dealer, privately or imported: for the Four Winns HD3 (three) it makes no difference to us. The international certificate of insurance comes automatically in ten languages. Start cover before the handover and transport and the first launch are included straight away.
Not to be mixed up with its sisters: this is the Four Winns HD3, number three.
What is a used Four Winns HD3 worth?
A used Four Winns HD3 built between 2021 and 2024 in average condition is typically worth between
€57,500 and €88,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €69,300 to €88,100 | €78,700 |
| 2023 | €69,100 to €87,900 | €78,500 |
| 2022 | €64,100 to €81,600 | €72,900 |
| 2021 | €57,500 to €73,100 | €65,300 |
With agreed-value cover, the agreed sum counts after a total loss of your Four Winns HD3;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 6% off the value of a Four Winns HD3.
Boats for sale now and how we rate them
How we rate the 1 boats of the Four Winns HD3 we found for sale most recently.
2025
6.70 m, Germany
year newer than our values
€144,900
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 November 2026. Not a survey.
Frequently asked
Does NAMMERT insure the Four Winns HD3?
Yes.
For accepting the Four Winns HD3 (three) we look at type of boat, year, value,
engine output and cruising area; make and model alone rule nothing out.
What does cover for a Four Winns HD3 cost?
The premium for the Four Winns HD3 (three) starts from €49 a year.
For a Four Winns HD3 at the usual market value of €76,000 the premium is €923 a year:
liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €500, paid annually.
Hull cover accounts for €814, liability for €109.
Tariff as of 19.10.2026, your own boat may differ.
The online calculator tells you the exact figure in a couple of minutes,
with no name or phone number asked.
My model is spelled slightly differently, does this page still apply?
Yes.
Suffixes and spellings of the Four Winns HD3 (three) change with the year and the documents.
Write the name as in your papers; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover the agreed value applies to the Four Winns HD3 (three):
the claim is settled at that value,
in the Premium tariff without limit and with no new-for-old deduction.
Can I switch from my existing insurer?
Yes, free of charge through the switching service:
we cancel the old contract on your Four Winns HD3 (three),
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Four Winns HD3 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
