Home / Four Winns / HD5
Four Winns HD5 insurance: calculate your premium
Model page, insured as a motorboat
For us the Four Winns HD5 (five) is a motorboat. New or used, bought at home or abroad, one previous owner or five: liability, hull, legal expenses and personal accident cover are taken out online in one go, in about five minutes.
At a glance
- Make
- Four Winns
- Type of boat
- motorboat
- Length overall
- 7.40 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
€1,166 a year
or €106 a month if paid monthly
Liability and hull · boat value €100,000 (market value) · built 2022 · 110 hp assumed · inland waters
Finance, example
€916 a month
Purchase price €100,000 (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 HD5: cover, cost and conditions
The premium for the Four Winns HD5 (five) is not set by its model name. In the online calculator you give the type of boat, year, value, engine output and cruising area, and those five values make the price.
A year of cover for the Four Winns HD5 (five) starts from €49 a year. For a Four Winns HD5 at the usual market value of €100,000 the premium is €1,166 a year: liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €500, paid annually. Hull cover accounts for €1,057, liability for €109. Tariff as of 19.10.2026, your own boat may differ. The rest is set by hull cover and the value of the boat: partial cover for fire, storm, lightning, theft of the whole boat and winter storage, full cover also for collision, grounding, vandalism and theft of parts. If the boat is lost completely, we pay the agreed value, in Premium with no new-for-old deductions.
We also write the Four Winns HD5 (five) when it was bought used, imported or ordered straight from the yard, with a berth at home or abroad. The international certificate of insurance, which you receive automatically, covers ten languages. A policy that starts before the handover covers transport and the first launch.
Not to be mixed up with its sisters: this is the Four Winns HD5, number five.
What is a used Four Winns HD5 worth?
A used Four Winns HD5 built between 2021 and 2024 in average condition is typically worth between
€77,600 and €116,400 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €91,400 to €116,400 | €103,900 |
| 2023 | €91,200 to €116,000 | €103,600 |
| 2022 | €85,400 to €108,600 | €97,000 |
| 2021 | €77,600 to €98,800 | €88,200 |
With agreed-value cover, the agreed sum counts after a total loss of your Four Winns HD5;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 5% off the value of a Four Winns HD5.
Boats for sale now and how we rate them
How we rate the 3 boats of the Four Winns HD5 we found for sale most recently.
2023
7.40 m, France
2023
7.40 m, France
2025
7.40 m, Germany
year newer than our values
€159,900
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 HD5?
Yes.
We accept a Four Winns HD5 (five) like any other boat: type of boat, year, value,
engine output and cruising area decide, not the builder.
What does cover for a Four Winns HD5 cost?
Cover for the Four Winns HD5 (five) starts from €49 a year.
For a Four Winns HD5 at the usual market value of €100,000 the premium is €1,166 a year:
liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €500, paid annually.
Hull cover accounts for €1,057, liability for €109.
Tariff as of 19.10.2026, your own boat may differ and then depends on your entries.
The online calculator shows the exact amount in a few minutes, without contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
What exactly the Four Winns HD5 (five) is called often depends on the year and the papers.
Take the name from your documents, the calculation uses the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Four Winns HD5 (five) is settled at the agreed value,
in Premium with no upper limit and no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
We cancel your existing contract for the Four Winns HD5 (five) through the switching service at no
cost.
You pay only once it has run out and secure a permanent switching discount.
Other models by this make
Four Winns HD5 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
