Insuring Hardy Marine: cover and premium

motorboats and sports boats · the United Kingdom

Hardy Marine builds motorboats and sports boats in the United Kingdom. NAMMERT insures a Hardy 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.

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At a glance

Origin

the United Kingdom

Class

motorboats and sports boats

Typical sizes

5 to 12 m

Premium from

from €49 a year for liability

Worth knowing

Hardy Fishing 17 / 20

Navigator 24 / 27

Commodore 32 / 36

Hardy Marine; cover, cost and conditions

Hardy builds seaworthy displacement and semi-planing boats that stay steady even in a swell. Anyone cruising along the coast with one should read the cruising range in the policy carefully: coastal waters up to twelve nautical miles is something different from the North Sea up to twenty nautical miles, and an extension is just a phone call away, but it does not apply retroactively.

Diesel engines are the rule at Hardy. That reduces the fire risk considerably compared with petrol engines, but shifts it to the fuel system: diesel bug, meaning bacterial contamination in the tank, clogs filters and brings the engine to a standstill. The breakdown itself is not a hull insurance claim, but the consequences of an accident without propulsion are. Tank maintenance is therefore also loss prevention.

For fishing along the coast, personal accident cover is added. The most expensive loss on a small boat is rarely the boat but the person. Our personal accident cover applies in Premium to everyone on board, regardless of who invited them, and it also applies when boarding and disembarking, where most falls happen.

Questions and answers

Frequent questions

Does my policy also apply to the North Sea?

For Hardy: Only if the cruising range allows for it.

Check the entry in the policy document, an extension is possible at any time,

but not retroactively.

Is engine damage caused by diesel bug covered?

For Hardy: The engine damage on its own is not, as it counts as a consequence of maintenance.

Consequences of an accident such as grounding or collision after a loss of propulsion are covered

under full hull cover.

The cover that fits

For Hardy: What matters for motorboats and sports boats 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, Hardy included.

Insuring motorboats and sports boats, every brand and every condition

Other builders in this class

Fiskars Fletcher Formula Boats Fountain Powerboats Four Winns Galia Gar Wood (Klassiker) Glastron Grady-White Grandezza Gugel Hacker-Craft Hellwig Hille Hinckley Dutch-built yachts Dutch yard builds Invader Italmar Jakol K & S Polyboats Kaliske Karel Karnic

Directory of all makes from A to Z

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 Hardy.

Current wind force and direction for your waters are shown on the Home.

Series by Hardy, with value and cover

Hardy Fishing 17 / 20

Hardy Fishing 17 / 20 is a fishing boat from Hardy (the United Kingdom), built from 1980 to 2015,

and today changes hands at between €8,000 and €32,000.

Hardy Navigator 24 / 27

Hardy Navigator 24 / 27 is a motorboat from Hardy (the United Kingdom), built from 1990 to 2015,

and today changes hands at between €28,000 and €95,000.

Commodore 32 / 36

Commodore 32 / 36 is a motor yacht from Hardy (the United Kingdom), built from 1995 to 2015,

and today changes hands at between €75,000 and €240,000.

Hardy Family Pilot 20 SE

Hardy Family Pilot 20 SE is a motorboat from Hardy (the United Kingdom), built from 1990 to 2012,

and today changes hands at between €14,000 and €42,000.

Hardy Navigator 18 / 22

Also a motorboat, built from 1990 to 2015, €18,000 to €55,000.

What this means for the cover

For the Hardy Fishing 17 / 20, Hardy Navigator 24 / 27,

Commodore 32 / 36 by Hardy and 2 more 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 Hardy Fishing 17 / 20 by Hardy series:

On a fishing boat the gear is often worth more than expected: sounder,

trolling motor and rods are covered as equipment if they are listed.

For the Hardy Navigator 24 / 27, Hardy Family Pilot 20 SE,

Hardy Navigator 18 / 22 by Hardy series: On a motorboat the drive is the single most valuable part.

Damage after grounding is covered, an engine failure from wear is not.

For the Commodore 32 / 36 by Hardy series:

On motor yachts the drive and the electronics together make up about half the value.

Both belong in the valuation, otherwise the sum insured is too low.

All series at a glance

The Hardy range in figures

These figures come from the model records we keep for Hardy: boat type, build years and length,

nothing estimated.

motor yacht: 28 models, since 1971, mostly 7.6 to 19.8 m
motorboat: 10 models, 1978 to 2018, mostly 5.2 to 7.3 m
sailing boat: 5 models, 1975 to 1992, 5.4 to 6.5 m
sailing yacht: 1 model, 1971 to 1978, 9.4 m

Which model was built when?

Sailing boat Motorboat RIBEach bar is one Hardy model, running from its first to its last year of build. The colour shows the type of boat. Showing 24 of 44 models.

What does a used Hardy cost?

We hold today’s price ranges by year for 31 models by Hardy.

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
Hardy 20	2016	€19,100 to €24,300
Hardy 20	1979 to 1981	€4,700 to €6,500
Hardy 21	1985 to 1989	€8,400 to €14,100
Hardy 24	2016	€37,400 to €47,600
Hardy 26	2016	€59,400 to €75,600
Hardy 27	1994 to 2001	€24,400 to €36,200
Hardy 32 DS	2016 to 2021	€136,000 to €271,100
Hardy 36	1997 to 2021	€68,200 to €347,500
Hardy 36 DS	2016 to 2021	€163,400 to €318,400
Hardy 36 Sedan	2013 to 2015	€116,400 to €181,100
Hardy 40 DS	2014 to 2024	€200,000 to €594,100
Hardy 42	2016 to 2021	€282,700 to €566,600
Hardy 50	2004 to 2021	€228,400 to €804,500
Hardy 50 DS	2016 to 2018	€282,500 to €432,700
Hardy 52 DS	2019	€367,900 to €468,300
Hardy 537	1978 to 1981	€3,600 to €4,900
Hardy 825	1974 to 1975	€13,600 to €17,400
Hardy 940	1974 to 1975	€21,400 to €27,200
Hardy Bosun 20	2003 to 2015	€13,900 to €24,200
Hardy Commander 32	2015	€112,600 to €143,300
Hardy Commodore 36	2000 to 2015	€79,600 to €188,500
Hardy Commodore 42	2004 to 2015	€143,700 to €295,800
Hardy Family Pilot 20	1984 to 1991	€6,400 to €10,300
Hardy Fishing 24	1985 to 2015	€15,400 to €54,900
Hardy HM 6	1978 to 1979	€4,700 to €6,000
Hardy Mariner 26	2000 to 2015	€39,100 to €81,300
Hardy Navigator 18 SE	1998 to 2000	€6,500 to €9,100
Sea Wings 254	1991 to 2000	€15,600 to €35,600
Sea Wings 277	1994 to 2000	€20,100 to €38,400
Sea Wings 285	1992 to 1994	€39,600 to €53,100
Sea Wings 305	1994 to 2000	€38,900 to €57,900