Insuring HQL: cover and premium
motorboats and sports boats · several countries
HQL builds motorboats and sports boats in several countries. NAMMERT insures a HQL 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
motorboats and sports boats
Typical sizes
Premium from
from €49 a year for liability
Worth knowing
HQL; cover, cost and conditions
Two motor boat ranges are recorded for HQL, the HQL 440 and the HQL 490, both built since 2019 and still today. No information on size, country or construction method is available, and more is not necessary for the contract either: what is insured is the specific boat with value, year of construction, engine power and waters, never the brand.
If a boat is trailered, the 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. During launching, during craning and on the transport route the cover continues, likewise in winter storage. Cover therefore does not end at the waterline but accompanies the boat through the entire season and the time before and after it.
In the full hull cover, collision, grounding, vandalism and theft of parts including the outboard are covered; the limited hull cover takes on fire, storm, lightning strike and theft of the entire boat. The hull cover knows no time window and no night clause, regardless of where the boat happens to be lying.
Questions and answers
Frequent questions
Do I have to register the trailer separately?
For HQL: The 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.
Name it when taking out the policy so that it appears in the contract.
No additional premium is charged for it.
Does cover also apply on the road?
Yes, for HQL too: on the transport route cover applies just as during launching,
during craning and in winter storage.
The hull cover is not limited to the time in the water.
The cover that fits
motorboat insurance
Tariffs, cover and FAQ for motorboat insurance in detail.
Third-party liability
The foundation for a boat from HQL: damage to third parties, worldwide,
from €49 a year for liability.
Hull cover
Partial or full hull cover for a HQL, at replacement value with an agreed fixed value.
For the whole class of boat
For HQL: 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, HQL included.
Insuring motorboats and sports boats, 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 HQL.
Current wind force and direction for your waters are shown on the Home.
Series by HQL, build years and cover
HQL 440 is a motorboat from HQL, built since 2019.
Also a motorboat, built since 2019.
As the HQL 440 and HQL 490 by HQL series are still in production,
parts are available and repair costs are predictable.
Even so, value it at replacement cost including retrofitted electronics, not at list price.
For the HQL 440, HQL 490 by HQL series: On a motorboat the drive is the single most valuable part.
Damage after grounding is covered, an engine failure from wear is not.
What does a used HQL cost?
We hold today’s price ranges by year for 2 models by HQL.
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 |
|---|---|---|
| HQL 440 | 2022 to 2024 | €12,700 to €35,400 |
| HQL 490 | 2022 to 2024 | €19,100 to €47,700 |
Estimate from our boat records, October 2026.
Not a survey.
HQL insured in five minutes.
Boat type, year built, length and value of your HQL are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
