Lagoon 40 insurance: calculate your premium
Model page, insured as a catamaran
Year, place of purchase and previous owners do not decide whether we insure the Lagoon 40: we write it as a catamaran. Five minutes online cover everything from liability and hull to legal expenses and personal accident.
At a glance
- Make
- Lagoon
- Type of boat
- catamaran
- Length overall
- 11.74 m
- Built
- since 2013
Length from our boat catalogue for the 2013–2026 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,463 a year
or €225 a month if paid monthly
Liability and hull · boat value €263,000 (market value) · built 2020 · North Sea, Baltic and Mediterranean
Finance, example
€2,410 a month
Purchase price €263,000 (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.
Lagoon 40: cover, cost and conditions
How much does the name Lagoon 40 matter to the premium? Hardly at all. What counts is the type of boat, the year, the value, the engine output and the cruising area, the five fields of the online calculator.
What should you budget for the Lagoon 40? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Lagoon 40 at the usual market value of €263,000 the premium is €2,463 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail, hull excess €1,000, paid annually. Hull cover accounts for €2,344, liability for €119. Tariff as of 03.11.2026, your own boat may differ. Hull cover follows the value of the boat. Partial: fire, storm, lightning, theft of the whole boat, winter storage. Full, on top: collision, grounding, vandalism, theft of parts. A total loss means the agreed value, in the Premium tariff without new-for-old deductions.
The Lagoon 40 may be second hand, imported or ordered new, and the berth may be at home or abroad: we write it in each of these cases. The international certificate of insurance comes by itself in ten languages, and cover taken out before the handover already includes transport and the first launch.
Not to be mixed up with its sisters: this is the Lagoon 40, number forty.
What is a used Lagoon 40 worth?
A used Lagoon 40 built between 2016 and 2024 in average condition is typically worth between
€186,600 and €564,000 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €443,200 to €564,000 | €503,600 |
| 2023 | €296,000 to €376,700 | €336,300 |
| 2022 | €284,900 to €362,600 | €323,700 |
| 2021 | €251,100 to €319,600 | €285,300 |
| 2020 | €231,000 to €294,000 | €262,500 |
| 2019 | €219,000 to €278,800 | €248,900 |
| 2018 | €206,400 to €262,600 | €234,500 |
| 2017 | €192,600 to €245,200 | €218,900 |
| 2016 | €186,600 to €237,400 | €212,000 |
With agreed-value cover, the agreed sum counts after a total loss of your Lagoon 40;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 10% off the value of a Lagoon 40.
Market today
For sale in November 2026
16
Typical asking price, 2020 boat
€279,300
Our value, 2020 boat
€262,500
Asking prices against our value
+6%
In November 2026 we found 16 boats of the Lagoon 40 for sale.
Typical asking price for a 2020 Lagoon 40: €279,300.
Our value for a Lagoon 40 of that year: €262,500.
Asking prices for the Lagoon 40 are about 6% 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 18 boats of the Lagoon 40 we found for sale most recently.
2024
11.74 m, United Kingdom
2024
11.73 m, United Kingdom
2023
Turkey
2022
11.74 m, United Kingdom
2022
11.73 m, Croatia
2021
11.74 m, France
2020
11.74 m, Spain
2020
international
2020
Croatia
2020
France
2019
Croatia
2019
11.74 m, Croatia
2019
11.74 m, United Kingdom
2019
Italy
2019
12.19 m, Sweden
2019
12.75 m, United Kingdom
2018
11.74 m, Netherlands
2018
11.73 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 Lagoon 40?
Yes, the Lagoon 40 is insurable with us.
What decides is not make and model but five figures: type of boat, year, value,
engine output and cruising area.
What does cover for a Lagoon 40 cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Lagoon 40 at the usual market value of €263,000 the premium is €2,463 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail,
hull excess €1,000, paid annually.
Hull cover accounts for €2,344, liability for €119.
Tariff as of 03.11.2026, your own boat may differ.
What your Lagoon 40 costs exactly you can work out online in a few minutes,
and you need no contact details to do it.
My model is spelled slightly differently, does this page still apply?
Yes.
The Lagoon 40 appears in papers and brochures under slightly different names.
Premium and cover go by the technical data, and you enter the name as it stands in your papers.
On a total loss, do I get the replacement value?
Yes, provided you have full cover: we pay the agreed value for the Lagoon 40,
in Premium without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service handles the cancellation of the existing contract for the Lagoon 40 free of
charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Lagoon 40 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
