Hanse 312 insurance: calculate your premium
Model page, insured as a sailing yacht
Year, place of purchase and previous owners do not decide whether we insure the Hanse 312: we write it as a sailing yacht. Five minutes online cover everything from liability and hull to legal expenses and personal accident.
At a glance
- Make
- Hanse
- Type of boat
- sailing yacht
- Length overall
- 9.45 m
- Built
- 1995 to 2009
Length from our boat catalogue for the 1995–2009 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€833 a year
or €76 a month if paid monthly
Liability and hull · boat value €40,000 (market value) · built 2002 · North Sea, Baltic and Mediterranean
Finance, example
€366 a month
Purchase price €40,000 (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.
Hanse 312: cover, cost and conditions
How much does the name Hanse 312 matter to the premium? Hardly at all. What counts is the type of boat, the year, the value, the engine output and the cruising area, the five fields of the online calculator.
What should you budget for the Hanse 312? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Hanse 312 at the usual market value of €40,000 the premium is €833 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail, hull excess €250, paid annually. Hull cover accounts for €744, liability for €89. Tariff as of 03.11.2026, your own boat may differ. Hull cover follows the value of the boat. Partial: fire, storm, lightning, theft of the whole boat, winter storage. Full, on top: collision, grounding, vandalism, theft of parts. A total loss means the agreed value, in the Premium tariff without new-for-old deductions.
The Hanse 312 may be second hand, imported or ordered new, and the berth may be at home or abroad: we write it in each of these cases. The international certificate of insurance comes by itself in ten languages, and cover taken out before the handover already includes transport and the first launch.
Not to be mixed up with its sisters: this is the Hanse 312, number three hundred twelve.
What is a used Hanse 312 worth?
A used Hanse 312 built between 1998 and 2006 in average condition is typically worth between
€32,300 and €48,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2006 | €38,100 to €48,500 | €43,300 |
| 2005 | €37,000 to €47,000 | €42,000 |
| 2004 | €36,400 to €46,400 | €41,400 |
| 2003 | €36,400 to €46,200 | €41,300 |
| 2002 | €34,900 to €44,500 | €39,700 |
| 2001 | €33,900 to €43,100 | €38,500 |
| 2000 | €33,400 to €42,500 | €37,900 |
| 1999 | €33,000 to €42,000 | €37,500 |
| 1998 | €32,300 to €41,100 | €36,700 |
With agreed-value cover, the agreed sum counts after a total loss of your Hanse 312;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 2% off the value of a Hanse 312.
Market today
For sale in November 2026
3
Typical asking price, 2002 boat
€39,600
Our value, 2002 boat
€39,700
Asking prices against our value
−0%
In November 2026 we found 3 boats of the Hanse 312 for sale.
Typical asking price for a 2002 Hanse 312: €39,600.
Our value for a Hanse 312 of that year: €39,700.
Asking prices and value of the Hanse 312 are close together.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 3 boats of the Hanse 312 we found for sale most recently.
2004
Spain
2004
9.45 m, Sweden
2003
9.45 m, United Kingdom
As of November 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 Hanse 312?
Yes, the Hanse 312 is insurable with us.
What decides is not make and model but five figures: type of boat, year, value,
engine output and cruising area.
What does cover for a Hanse 312 cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Hanse 312 at the usual market value of €40,000 the premium is €833 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail,
hull excess €250, paid annually.
Hull cover accounts for €744, liability for €89.
Tariff as of 03.11.2026, your own boat may differ.
What your Hanse 312 costs exactly you can work out online in a few minutes,
and you need no contact details to do it.
My model is spelled slightly differently, does this page still apply?
Yes.
The Hanse 312 appears in papers and brochures under slightly different names.
Premium and cover go by the technical data, and you enter the name as it stands in your papers.
On a total loss, do I get the replacement value?
Yes, provided you have full cover: we pay the agreed value for the Hanse 312,
in Premium without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service handles the cancellation of the existing contract for the Hanse 312 free of
charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Hanse 312 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
