Hanse 345 insurance: calculate your premium
Model page, insured as a sailing yacht
If you own a Hanse 345 (three hundred forty-five), you insure it with us as a sailing yacht, 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
- Hanse
- Type of boat
- sailing yacht
- Length overall
- 10.40 m
- Built
- 2009 to 2021
Length from our boat catalogue for the 2009–2021 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,344 a year
or €122 a month if paid monthly
Liability and hull · boat value €90,000 (market value) · built 2016 · North Sea, Baltic and Mediterranean
Finance, example
€825 a month
Purchase price €90,000 (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 345: cover, cost and conditions
Five figures decide what cover for the Hanse 345 (three hundred forty-five) costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Hanse 345 (three hundred forty-five) the premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Hanse 345 at the usual market value of €90,000 the premium is €1,344 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail, hull excess €500, paid annually. Hull cover accounts for €1,255, liability for €89. Tariff as of 03.11.2026, 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 Hanse 345 (three hundred forty-five) 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 Hanse 345, number three hundred forty-five.
What is a used Hanse 345 worth?
A used Hanse 345 built between 2012 and 2018 in average condition is typically worth between
€70,200 and €119,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2018 | €93,600 to €119,100 | €106,300 |
| 2017 | €86,400 to €110,000 | €98,200 |
| 2016 | €79,400 to €101,000 | €90,200 |
| 2015 | €76,100 to €96,800 | €86,400 |
| 2014 | €86,400 to €110,000 | €98,200 |
| 2013 | €72,500 to €92,300 | €82,400 |
| 2012 | €70,200 to €89,400 | €79,800 |
With agreed-value cover, the agreed sum counts after a total loss of your Hanse 345;
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 Hanse 345.
Market today
For sale in November 2026
9
Typical asking price, 2015 boat
€102,900
Our value, 2015 boat
€86,400
Asking prices against our value
+19%
In November 2026 we found 9 boats of the Hanse 345 for sale.
Typical asking price for a 2015 Hanse 345: €102,900.
Our value for a Hanse 345 of that year: €86,400.
Asking prices for the Hanse 345 are about 19% above our value.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 9 boats of the Hanse 345 we found for sale most recently.
2017
9.99 m, Croatia
2017
10.40 m, United Kingdom
2017
United Kingdom
2016
10.36 m, United Kingdom
2015
10.40 m, Netherlands
2015
Denmark
2014
Greece
2014
9.99 m, Switzerland
2014
10.45 m, Switzerland
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 345?
Yes.
For accepting the Hanse 345 (three hundred forty-five) 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 Hanse 345 cost?
The premium for the Hanse 345 (three hundred forty-five) starts from €39 a year for a sailing
boat, from €49 for a motorboat.
For a Hanse 345 at the usual market value of €90,000 the premium is €1,344 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail,
hull excess €500, paid annually.
Hull cover accounts for €1,255, liability for €89.
Tariff as of 03.11.2026, 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 Hanse 345 (three hundred forty-five) 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 Hanse 345 (three hundred forty-five):
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 Hanse 345 (three hundred forty-five),
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Hanse 345 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
