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Insuring Gaffers & Luggers: cover and premium
sailing boats and sailing yachts · several countries
Gaffers & Luggers builds sailing boats and sailing yachts in several countries. NAMMERT insures a Gaffers & Luggers 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.
At a glance
Origin
several countries
Class
sailing boats and sailing yachts
Typical sizes
Premium from
from €39 a year for liability
Worth knowing
Gaffers & Luggers; cover, cost and conditions
Two model ranges are available, the Heard Tosher 18 as a sailing boat with a production period from 1977 to 1983 and the Heard 23 as a sailing yacht from 1983 to 2002. Both production runs are complete. A manageable programme is no hurdle for the insurance, because small production runs and home-built boats can be insured at NAMMERT as well.
Boats from small production runs raise the question of valuation, because comparable offers are lacking. In full hull cover an agreed value is therefore set and recorded in the contract. In the event of a claim, compensation is paid according to this agreed value, with no deduction for depreciation ("new for old"), in the Premium tariff with no age limit.
On sailing boats the premium arises from the type of boat, value, year of construction, sail area and cruising range. Club races are included from Basis-Plus, races with scoring status you state when taking out the policy. Third-party liability with a limit of indemnity of 10 to 50 million euros stands at the beginning in every tariff level.
Questions and answers
Frequent questions
Can a home-built boat be insured?
Yes, for Gaffers & Luggers too: Small production runs and home-built boats are insurable.
As comparable values are lacking,
the value is set as an agreed value when taking out the policy and forms the basis in the event of
a claim, with no deduction for depreciation ("new for old").
Are club races included in the insurance?
For Gaffers & Luggers: Club races are included from the Basis-Plus tariff level.
You report races with scoring status when taking out the policy,
so that they are taken into account in the contract.
The cover that fits
sailing yacht insurance
Tariffs, cover and FAQ for sailing yacht insurance in detail.
Third-party liability
The foundation for a boat from Gaffers & Luggers: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a Gaffers & Luggers,
at replacement value with an agreed fixed value.
For the whole class of boat
For Gaffers & Luggers: What matters for sailing boats and sailing yachts 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, Gaffers & Luggers included.
Insuring sailing boats and sailing yachts, every brand and every condition
Other builders in this class
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 Gaffers & Luggers.
Current wind force and direction for your waters are shown on the Home.
Series by Gaffers & Luggers, build years and cover
Heard 23 is a sailing yacht from Gaffers & Luggers, built from 1983 to 2002.
Heard Tosher 18 is a sailing boat from Gaffers & Luggers, built from 1977 to 1983.
For the Heard 23 by Gaffers & Luggers 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 Heard Tosher 18 by Gaffers & Luggers 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.
For the Heard 23 by Gaffers & Luggers series:
On sailing yachts the rig and the underwater hull are the expensive parts:
a dismasting quickly costs a quarter of the boat,
and osmosis counts as wear and is covered by no hull policy.
For the Heard Tosher 18 by Gaffers & Luggers series:
On boats this size the condition of rig and fittings decides.
A dismasting is covered, worn terminals after years are not.
The Gaffers & Luggers range in figures
These figures come from the model records we keep for Gaffers & Luggers: boat type,
build years and length, nothing estimated.
- sailing yacht
- 1 model, 1983 to 2002, 7 m
- sailing boat
- 1 model, 1977 to 1983, 6 m
What does a used Gaffers & Luggers cost?
We hold today’s price ranges by year for 1 models by Gaffers & Luggers.
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.
| Model | Years built | Range today |
|---|---|---|
| Heard Tosher 18 | 1980 | €8,600 to €11,000 |
Estimate from our boat records, October 2026.
Not a survey.
Gaffers & Luggers insured in five minutes.
Boat type, year built, length and value of your Gaffers & Luggers are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
