Lagoon 421 insurance: calculate your premium
Model page, insured as a catamaran
The Lagoon 421 (four hundred twenty-one) is insurable with us as a catamaran, whatever its year, wherever you bought it and however many owners came before you. Liability, hull, legal expenses and personal accident cover sit in one contract, set up online in five minutes.
At a glance
- Make
- Lagoon
- Type of boat
- catamaran
- Length overall
- 12.61 m
- Built
- 2006 to 2022
Length from our boat catalogue for the 2006–2022 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,441 a year
or €223 a month if paid monthly
Liability and hull · boat value €226,000 (market value) · built 2015 · North Sea, Baltic and Mediterranean
Finance, example
€2,071 a month
Purchase price €226,000 (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 421: cover, cost and conditions
For the Lagoon 421 (four hundred twenty-one) we do not price by model name. The premium comes from five entries in the online calculator: type of boat, year, value, engine output and cruising area.
The premium for a Lagoon 421 (four hundred twenty-one) starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Lagoon 421 at the usual market value of €226,000 the premium is €2,441 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 €2,322, liability for €119. Tariff as of 03.11.2026, your own boat may differ. How much hull cover adds depends on the value: partial cover pays for fire, storm, lightning, theft of the whole boat and winter storage damage, full cover also for collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, in Premium with no new-for-old deduction.
Whether bought used, brought in from abroad or ordered new, we write the Lagoon 421 (four hundred twenty-one) with a berth in Germany or abroad. The international certificate of insurance arrives automatically in ten languages. Take cover out before the handover and transport and the first launch are already insured.
Not to be mixed up with its sisters: this is the Lagoon 421, number four hundred twenty-one.
What is a used Lagoon 421 worth?
A used Lagoon 421 built between 2009 and 2018 in average condition is typically worth between
€181,300 and €304,900 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2018 | €239,600 to €304,900 | €272,200 |
| 2017 | €222,400 to €283,000 | €252,700 |
| 2016 | €209,300 to €266,500 | €237,900 |
| 2015 | €202,900 to €258,300 | €230,600 |
| 2014 | €203,400 to €258,800 | €231,100 |
| 2013 | €194,900 to €248,000 | €221,400 |
| 2012 | €189,500 to €241,100 | €215,300 |
| 2011 | €188,700 to €240,200 | €214,500 |
| 2010 | €186,200 to €237,000 | €211,600 |
| 2009 | €181,300 to €230,700 | €206,000 |
With agreed-value cover, the agreed sum counts after a total loss of your Lagoon 421;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 3% off the value of a Lagoon 421.
Market today
For sale in November 2026
6
Typical asking price, 2014 boat
€232,700
Our value, 2014 boat
€231,100
Asking prices against our value
+1%
In November 2026 we found 6 boats of the Lagoon 421 for sale.
Typical asking price for a 2014 Lagoon 421: €232,700.
Our value for a Lagoon 421 of that year: €231,100.
Asking prices and value of the Lagoon 421 are close together.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 6 boats of the Lagoon 421 we found for sale most recently.
2015
12.80 m, Turkey
2011
12.61 m, Italy
2010
12.61 m, Croatia
2010
12.50 m, United Kingdom
2010
international
2010
12.60 m, Turkey
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 421?
Yes.
Whether we insure the Lagoon 421 (four hundred twenty-one) depends not on make or model but on
type of boat, year, value, engine output and cruising area.
What does cover for a Lagoon 421 cost?
For the Lagoon 421 (four hundred twenty-one) the premium starts from €39 a year for a sailing
boat, from €49 for a motorboat.
For a Lagoon 421 at the usual market value of €226,000 the premium is €2,441 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 €2,322, liability for €119.
Tariff as of 03.11.2026, your own boat may differ.
The online calculator shows the exact amount after a few entries,
without you leaving any contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
With the Lagoon 421 (four hundred twenty-one),
spelling and suffixes often differ between model years and papers.
Use the name from your documents; premium and cover follow the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Lagoon 421 (four hundred twenty-one) is settled at the agreed value,
in the Premium tariff with no cap and no new-for-old deduction.
Can I switch from my existing insurer?
Yes.
The old contract for your Lagoon 421 (four hundred twenty-one) is cancelled by our switching
service at no cost.
You pay only after it runs out, and the switching discount stays for good.
Other models by this make
Lagoon 421 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
