Lagoon 400 insurance: calculate your premium
Model page, insured as a catamaran
If you own a Lagoon 400 (four hundred), you insure it with us as a catamaran, however old it is, wherever it was bought and through however many hands it passed. Liability, hull, legal expenses and personal accident come from one house and are arranged online in five minutes.
At a glance
- Make
- Lagoon
- Type of boat
- catamaran
- Length overall
- 11.97 m
- Built
- 2005 to 2020
Length from our boat catalogue for the 2005–2020 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,430 a year
or €222 a month if paid monthly
Liability and hull · boat value €225,000 (market value) · built 2015 · North Sea, Baltic and Mediterranean
Finance, example
€2,061 a month
Purchase price €225,000 (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 400: cover, cost and conditions
Five figures decide what cover for the Lagoon 400 (four hundred) costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Lagoon 400 (four hundred) the premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Lagoon 400 at the usual market value of €225,000 the premium is €2,430 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 €2,311, liability for €119. Tariff as of 03.11.2026, your own boat may differ; the hull share follows the value. Partial cover insures fire, storm, lightning, theft of the whole boat and winter storage damage, full cover adds collision, grounding, vandalism and theft of parts. On a total loss the agreed value applies, in Premium with no deduction for new-for-old.
Berth in Germany or abroad, bought from a dealer, privately or imported: for the Lagoon 400 (four hundred) it makes no difference to us. The international certificate of insurance comes automatically in ten languages. Start cover before the handover and transport and the first launch are included straight away.
Not to be mixed up with its sisters: this is the Lagoon 400, number four hundred.
What is a used Lagoon 400 worth?
A used Lagoon 400 built between 2008 and 2019 in average condition is typically worth between
€169,900 and €321,200 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2019 | €252,400 to €321,200 | €286,800 |
| 2018 | €234,800 to €298,800 | €266,800 |
| 2017 | €215,000 to €273,600 | €244,300 |
| 2016 | €204,300 to €260,000 | €232,200 |
| 2015 | €198,900 to €253,100 | €226,000 |
| 2014 | €200,600 to €255,400 | €228,000 |
| 2013 | €196,800 to €250,400 | €223,600 |
| 2012 | €188,700 to €240,100 | €214,400 |
| 2011 | €185,000 to €235,400 | €210,200 |
| 2010 | €180,100 to €229,100 | €204,600 |
| 2009 | €173,500 to €220,800 | €197,100 |
| 2008 | €169,900 to €216,300 | €193,100 |
With agreed-value cover, the agreed sum counts after a total loss of your Lagoon 400;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 4% off the value of a Lagoon 400.
Market today
For sale in November 2026
23
Typical asking price, 2014 boat
€266,600
Our value, 2014 boat
€228,000
Asking prices against our value
+17%
In November 2026 we found 23 boats of the Lagoon 400 for sale.
Typical asking price for a 2014 Lagoon 400: €266,600.
Our value for a Lagoon 400 of that year: €228,000.
Asking prices for the Lagoon 400 are about 17% 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 23 boats of the Lagoon 400 we found for sale most recently.
2018
11.97 m, United Kingdom
2018
12.43 m, Greece
2018
11.97 m, Turkey
2017
12.19 m, Sweden
2017
Sweden
2017
12.19 m, United Kingdom
2017
12.19 m, Denmark
2016
Croatia
2016
11.97 m, Croatia
2015
11.97 m, Greece
2014
12.19 m, international
2014
11.97 m, Croatia
2014
11.96 m, international
2014
11.97 m, France
2013
11.97 m, Spain
2012
11.97 m, Croatia
2012
Germany
2012
11.97 m, United Kingdom
2011
11.97 m, Croatia
2011
11.97 m, Croatia
2011
Denmark
2010
11.97 m, United Kingdom
2009
France
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 400?
Yes.
For accepting the Lagoon 400 (four hundred) we look at type of boat, year, value,
engine output and cruising area; make and model alone rule nothing out.
What does cover for a Lagoon 400 cost?
The premium for the Lagoon 400 (four hundred) starts from €39 a year for a sailing boat,
from €49 for a motorboat.
For a Lagoon 400 at the usual market value of €225,000 the premium is €2,430 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 €2,311, liability for €119.
Tariff as of 03.11.2026, your own boat may differ.
The online calculator tells you the exact figure in a couple of minutes,
with no name or phone number asked.
My model is spelled slightly differently, does this page still apply?
Yes.
Suffixes and spellings of the Lagoon 400 (four hundred) change with the year and the documents.
Write the name as in your papers; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover the agreed value applies to the Lagoon 400 (four hundred):
the claim is settled at that value,
in the Premium tariff without limit and with no new-for-old deduction.
Can I switch from my existing insurer?
Yes, free of charge through the switching service:
we cancel the old contract on your Lagoon 400 (four hundred),
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Lagoon 400 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
