Insuring Hobie Cat: cover and premium

Hobie Cat turned the beach catamaran into a class, and the Hobie 16 has been on the water in almost unchanged form since 1970, with more than a hundred thousand boats built the most widespread catamaran class of all. For insurance purposes this is a craft with a clear profile: no engine, no cabin, no berth in the classic sense, but instead storage on the beach, trailer transport and intensive use on windy days.

Third-party liability is the more important part of the cover on a beach catamaran. A Hobie sails fast, often close to the shore among swimmers, surfers and other boats, and a collision with a swimmer is a personal injury with an unlimited cost risk. Our boat third-party liability covers personal injury, property damage and financial loss with ten to fifty million euros; on a boat of this size that is not oversized protection but the actual reason for the policy.

For the hull insurance what matters is less the sailing than the lying idle. Beach catamarans are stored ashore, often unprotected on the beach or on club grounds, and the most frequent losses are storm damage while lying idle and theft of rigging parts, sails and trapeze equipment. Secure the cat with storm lines and store sails and fittings separately; both reduce the risk exactly where it actually arises.

Alongside the classics 14, 16 and 18, the fast racing boats are in the portfolio: FX One, Tiger F18 and Wild Cat. On these boats the larger share of the value lies in the rig, the sails and the trapeze equipment, not in the hull. Include the complete set in the sum insured, otherwise in a total loss the hull insurance will replace two hulls without sails. Club races are included from the Basis-Plus tariff upwards; for races with ranking status, state the class when taking out the policy.

The Mirage kayaks with pedal drive are a different case: muscle powered, therefore without their own boat third-party liability with us, but with hull insurance, legal expenses cover and accident cover. For liability, private liability insurance usually applies; check whether it expressly mentions watercraft.

These figures come from the model records we keep for Hobie Cat: boat type,

build years and length, nothing estimated.

We hold today’s price ranges by year for 79 models by Hobie Cat.

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.

Estimate from our boat records, October 2026.

Not a survey.

Each Hobie Cat model has its own page with cover, cost and the points that matter for that boat.

Your model not listed?

We insure it all the same.

Boat type, year built, length and value of your Hobie Cat are all we need.

Work out the premium online or call us: +49 3375 29 12 77.