Insuring HEPAG GmbH: cover and premium
sailing boats and sailing yachts · several countries
HEPAG GmbH builds sailing boats and sailing yachts in several countries. NAMMERT insures a HEPAG GmbH 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.
At a glance
Origin
several countries
Class
sailing boats and sailing yachts
Typical sizes
Premium from
from €39 a year for liability
Worth knowing
HEPAG GmbH; cover, cost and conditions
With a second-hand purchase, the first question is that of the replacement value. The Symphonie 14,5 M DS was built from 1996 to 2003, and every unit is a used boat today. For this we agree an agreed value, which is indemnified with no deduction for depreciation ("new for old").
Legal expenses cover for water sports can be included and applies in a dispute after buying a used boat or with a shipyard. It is complemented by third-party liability with a limit of indemnity of 10 to 50 million euros, which can be chosen in the levels Basis, Basis-Plus and Premium.
On sailing yachts the sail area takes the place of the engine power, and to this are added the type of boat, the value, the year of construction and the cruising range. Club races are included from Basis-Plus upwards, and you state races with scoring status when taking out the policy. A boat trailer is covered by the third-party liability at no extra premium from Basis-Plus, provided it is named in the application with its value. You can add it to the hull cover for a premium.
Questions and answers
Frequent questions
What counts as the value of a yacht from the nineteen-nineties?
For HEPAG GmbH: The agreed value set out in the contract.
In the event of a total loss it is paid with no deduction for depreciation ("new for old"),
in the Premium tariff with no age limit, regardless of how many previous owners the boat has had.
Does the legal expenses cover also include a dispute with a shipyard?
Yes, for HEPAG GmbH too: Legal expenses cover for water sports is offered alongside and is
tailored to disputes after buying a used boat as well as with a shipyard.
The cover that fits
sailing yacht insurance
Tariffs, cover and FAQ for sailing yacht insurance in detail.
Third-party liability
The foundation for a boat from HEPAG GmbH: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a HEPAG GmbH, at replacement value with an agreed fixed value.
For the whole class of boat
For HEPAG GmbH: What matters for sailing boats and sailing yachts 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, HEPAG GmbH included.
Insuring sailing boats and sailing yachts, every brand and every condition
Other builders in this class
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 HEPAG GmbH.
Current wind force and direction for your waters are shown on the Home.
Series by HEPAG GmbH, build years and cover
Symphonie 14,5 M DS is a sailing yacht from HEPAG GmbH, built from 1996 to 2003.
For the Symphonie 14,5 M DS by HEPAG GmbH 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 Symphonie 14,5 M DS by HEPAG GmbH series:
On sailing yachts the rig and the underwater hull are the expensive parts:
a dismasting quickly costs a quarter of the boat,
and osmosis counts as wear and is covered by no hull policy.
What does a used HEPAG GmbH cost?
We hold today’s price ranges by year for 1 models by HEPAG GmbH.
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 |
|---|---|---|
| Symphonie 14,5 M DS | 1999 to 2000 | €177,800 to €228,500 |
Estimate from our boat records, October 2026.
Not a survey.
HEPAG GmbH insured in five minutes.
Boat type, year built, length and value of your HEPAG GmbH are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
