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Four Winns Sundowner 245 insurance: calculate your premium
Model page, insured as a motorboat
If you own a Four Winns Sundowner 245, 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
Four Winns Sundowner 245: cover, cost and conditions
The Sundowner 245 by Four Winns sails as a motorboat in our portfolio, and 19 further models of this brand are on record with us. No further details on dimensions and engine are available. For the contract we obtain these details directly from you when the policy is taken out.
Trailering and launching are part of everyday life with a boat of this size. The boat trailer is covered by the third-party liability at no extra premium from Basis-Plus, provided it is named in the application with its value, and the cover also applies during craning, launching and transport. You can add it to the hull cover for a premium. The trip to the water is therefore covered just as much as the time at the jetty.
For damage to your own hull, full hull cover with an agreed value applies, with no deduction for depreciation, in the Premium tariff with no age limit. It additionally covers collision, grounding, vandalism and theft of parts including the outboard.
What is a used Four Winns Sundowner 245 worth?
A used Four Winns Sundowner 245 built between 1996 and 2006 in average condition is typically
worth between €16,600 and €39,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2006 | €31,100 to €39,500 | €35,300 |
| 2005 | €30,000 to €38,200 | €34,100 |
| 2004 | €27,100 to €34,500 | €30,800 |
| 2003 | €28,000 to €35,600 | €31,800 |
| 2002 | €26,200 to €33,400 | €29,800 |
| 2001 | €24,800 to €31,600 | €28,200 |
| 2000 | €23,500 to €29,900 | €26,700 |
| 1999 | €16,600 to €21,100 | €18,800 |
| 1997 | €20,300 to €25,900 | €23,100 |
| 1996 | €20,100 to €25,500 | €22,800 |
Does the sum insured on your Four Winns Sundowner 245 still match what it is worth today?
After a total loss, that number is what counts.
Estimate from our boat records, October 2026. Not a survey.
Frequently asked
Do I have to insure the trailer separately?
No, not for the Four Winns Sundowner 245 either:
The boat trailer is covered by the third-party liability at no extra premium from Basis-Plus,
provided it is named in the application with its value.
You can add it to the hull cover for a premium.
You state it when taking out the policy; a separate contract is not needed for it.
Is damage during launching covered?
Yes, for the Four Winns Sundowner 245 too:
The cover applies during craning and launching as well as in transport,
not only from the moment the boat is in the water.
Other models by this make
Four Winns Sundowner 245 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
