Hardy 27 insurance: calculate your premium
Model page, insured as a motor yacht
We insure the Hardy 27 as a motor yacht, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
- Make
- Hardy
- Type of boat
- motor yacht
- Length overall
- 8.28 m
- Built
- 1991 to 2004
Length from our boat catalogue for the 1991–2004 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€954 a year
or €86 a month if paid monthly
Liability and hull · boat value €33,000 (market value) · built 1998 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€302 a month
Purchase price €33,000 (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.
Hardy 27: cover, cost and conditions
Hardy 27: for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.
For the Hardy 27: On a motor yacht the drive and the electronics together make up about half the value. Both belong in the sum insured. The most expensive claim is grounding with consequential damage to shaft and gearbox, and that is full cover only.
What does cover for a Hardy 27 cost? The premium starts from €49 a year. For a Hardy 27 at the usual market value of €33,000 the premium is €954 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed), hull excess €250, paid annually. Hull cover accounts for €805, liability for €149. Tariff as of 03.11.2026, your own boat may differ. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.
Bought used, imported or ordered new: we write the Hardy 27 with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.
Not to be mixed up with its sisters: this is the Hardy 27, number twenty-seven.
What is a used Hardy 27 worth?
A used Hardy 27 built between 1994 and 2001 in average condition is typically worth between
€27,000 and €40,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2001 | €31,500 to €40,100 | €35,800 |
| 2000 | €30,400 to €38,700 | €34,600 |
| 1999 | €29,400 to €37,400 | €33,400 |
| 1998 | €29,200 to €37,200 | €33,200 |
| 1997 | €27,400 to €34,900 | €31,100 |
| 1996 | €29,700 to €37,700 | €33,700 |
| 1995 | €28,100 to €35,700 | €31,900 |
| 1994 | €27,000 to €34,400 | €30,700 |
With agreed-value cover, the agreed sum counts after a total loss of your Hardy 27;
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 Hardy 27.
Market today
For sale in November 2026
4
Typical asking price, 1998 boat
€39,300
Our value, 1998 boat
€33,200
Asking prices against our value
+18%
In November 2026 we found 4 boats of the Hardy 27 for sale.
Typical asking price for a 1998 Hardy 27: €39,300.
Our value for a Hardy 27 of that year: €33,200.
Asking prices for the Hardy 27 are about 18% 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 Hardy 27 we found for sale most recently.
1998
8.28 m, United Kingdom
1995
8.23 m, United Kingdom
1995
8.91 m, Netherlands
1994
8.28 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 Hardy 27?
Yes.
Neither the make nor the model decides whether the Hardy 27 is insurable.
What counts is the type of boat, its year, its value, its engine output and the waters you sail.
What does cover for a Hardy 27 cost?
Cover starts from €49 a year.
For a Hardy 27 at the usual market value of €33,000 the premium is €954 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed),
hull excess €250, paid annually.
Hull cover accounts for €805, liability for €149.
Tariff as of 03.11.2026, your own boat may differ.
The exact premium takes a few minutes in the online calculator, with no contact details required.
My model is spelled slightly differently, does this page still apply?
Yes.
Spellings and suffixes of the Hardy 27 vary with the papers and the model year.
Enter the name as it appears in your documents; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover, yes: the Hardy 27 is settled at the agreed value,
and in the Premium tariff without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service cancels the old contract for your Hardy 27 free of charge,
you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Hardy 27 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
