Hanse 495 insurance: calculate your premium
Model page, insured as a sailing yacht
For us the Hanse 495 (four hundred ninety-five) is a sailing yacht. New or used, bought at home or abroad, one previous owner or five: liability, hull, legal expenses and personal accident cover are taken out online in one go, in about five minutes.
At a glance
- Make
- Hanse
- Type of boat
- sailing yacht
- Length overall
- 15.40 m
- Built
- 2008 to 2017
Length from our boat catalogue for the 2008–2017 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,213 a year
or €201 a month if paid monthly
Liability and hull · boat value €196,000 (market value) · built 2013 · North Sea, Baltic and Mediterranean
Finance, example
€1,796 a month
Purchase price €196,000 (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 495: cover, cost and conditions
The premium for the Hanse 495 (four hundred ninety-five) is not set by its model name. In the online calculator you give the type of boat, year, value, engine output and cruising area, and those five values make the price.
A year of cover for the Hanse 495 (four hundred ninety-five) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Hanse 495 at the usual market value of €196,000 the premium is €2,213 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 150 m² of sail, hull excess €1,000, paid annually. Hull cover accounts for €2,014, liability for €199. Tariff as of 03.11.2026, your own boat may differ. The rest is set by hull cover and the value of the boat: partial cover for fire, storm, lightning, theft of the whole boat and winter storage, full cover also for collision, grounding, vandalism and theft of parts. If the boat is lost completely, we pay the agreed value, in Premium with no new-for-old deductions.
We also write the Hanse 495 (four hundred ninety-five) when it was bought used, imported or ordered straight from the yard, with a berth at home or abroad. The international certificate of insurance, which you receive automatically, covers ten languages. A policy that starts before the handover covers transport and the first launch.
Not to be mixed up with its sisters: this is the Hanse 495, number four hundred ninety-five.
What is a used Hanse 495 worth?
A used Hanse 495 built between 2011 and 2014 in average condition is typically worth between
€167,200 and €237,600 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2014 | €186,700 to €237,600 | €212,200 |
| 2013 | €174,800 to €222,400 | €198,600 |
| 2012 | €170,000 to €216,400 | €193,200 |
| 2011 | €167,200 to €212,800 | €190,000 |
With agreed-value cover, the agreed sum counts after a total loss of your Hanse 495;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 4% off the value of a Hanse 495.
Market today
For sale in November 2026
4
Typical asking price, 2013 boat
€225,500
Our value, 2013 boat
€198,600
Asking prices against our value
+14%
In November 2026 we found 4 boats of the Hanse 495 for sale.
Typical asking price for a 2013 Hanse 495: €225,500.
Our value for a Hanse 495 of that year: €198,600.
Asking prices for the Hanse 495 are about 14% 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 4 boats of the Hanse 495 we found for sale most recently.
2012
14.85 m, Greece
2012
14.85 m, Croatia
2012
15.24 m, Sweden
2011
14.94 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 495?
Yes.
We accept a Hanse 495 (four hundred ninety-five) like any other boat: type of boat, year, value,
engine output and cruising area decide, not the builder.
What does cover for a Hanse 495 cost?
Cover for the Hanse 495 (four hundred ninety-five) starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Hanse 495 at the usual market value of €196,000 the premium is €2,213 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 150 m² of sail,
hull excess €1,000, paid annually.
Hull cover accounts for €2,014, liability for €199.
Tariff as of 03.11.2026, your own boat may differ and then depends on your entries.
The online calculator shows the exact amount in a few minutes, without contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
What exactly the Hanse 495 (four hundred ninety-five) is called often depends on the year and the
papers.
Take the name from your documents, the calculation uses the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Hanse 495 (four hundred ninety-five) is settled at the agreed value,
in Premium with no upper limit and no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
We cancel your existing contract for the Hanse 495 (four hundred ninety-five) through the
switching service at no cost.
You pay only once it has run out and secure a permanent switching discount.
Other models by this make
Hanse 495 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
