Hanse 400 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 400 (four hundred): 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
- 12.23 m
- Built
- 2002 to 2015
Length from our boat catalogue for the 2002–2015 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,444 a year
or €131 a month if paid monthly
Liability and hull · boat value €95,000 (market value) · built 2009 · North Sea, Baltic and Mediterranean
Finance, example
€870 a month
Purchase price €95,000 (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 400: cover, cost and conditions
How much does the name Hanse 400 (four hundred) 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 400 (four hundred)? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Hanse 400 at the usual market value of €95,000 the premium is €1,444 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail, hull excess €500, paid annually. Hull cover accounts for €1,325, liability for €119. 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 400 (four hundred) 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 400, number four hundred.
What is a used Hanse 400 worth?
A used Hanse 400 built between 2005 and 2012 in average condition is typically worth between
€77,900 and €124,600 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2012 | €90,500 to €115,200 | €102,900 |
| 2011 | €89,300 to €113,700 | €101,500 |
| 2010 | €97,900 to €124,600 | €111,200 |
| 2009 | €84,800 to €107,900 | €96,300 |
| 2008 | €82,100 to €104,500 | €93,300 |
| 2007 | €80,200 to €102,000 | €91,100 |
| 2006 | €78,800 to €100,200 | €89,500 |
| 2005 | €77,900 to €99,100 | €88,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Hanse 400;
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 400.
Market today
For sale in November 2026
27
Typical asking price, 2009 boat
€106,600
Our value, 2009 boat
€96,300
Asking prices against our value
+11%
In November 2026 we found 27 boats of the Hanse 400 for sale.
Typical asking price for a 2009 Hanse 400: €106,600.
Our value for a Hanse 400 of that year: €96,300.
Asking prices for the Hanse 400 are about 11% 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 28 boats of the Hanse 400 we found for sale most recently.
2011
Croatia
2011
12.10 m, United Kingdom
2011
11.89 m, United Kingdom
2011
11.99 m, Spain
2011
Germany
2011
12.19 m, Norway
2011
United Kingdom
2010
11.89 m, United Kingdom
2010
12.10 m, Netherlands
2010
12.10 m, United Kingdom
2010
11.99 m, Netherlands
2009
Denmark
2009
12.00 m, United Kingdom
2008
12.10 m, United Kingdom
2008
11.89 m, Sweden
2008
Finland
2008
12.19 m, Denmark
2008
12.10 m, United Kingdom
2008
12.10 m, United Kingdom
2008
12.10 m, Denmark
2007
12.10 m, Italy
2007
11.99 m, France
2007
Netherlands
2007
12.10 m, Netherlands
2006
11.99 m, Italy
2006
12.10 m, Spain
2006
Germany
2005
11.99 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 400?
Yes, the Hanse 400 (four hundred) 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 400 cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Hanse 400 at the usual market value of €95,000 the premium is €1,444 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail,
hull excess €500, paid annually.
Hull cover accounts for €1,325, liability for €119.
Tariff as of 03.11.2026, your own boat may differ.
What your Hanse 400 (four hundred) 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 400 (four hundred) 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 400 (four hundred),
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 400 (four
hundred) free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Hanse 400 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
