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Lagoon 450 S 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 450 S (four hundred fifty): 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
- 13.96 m
- Built
- 2013 to 2022
Length from our boat catalogue for the 2013–2022 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€2,752 a year
or €251 a month if paid monthly
Liability and hull · boat value €389,000 (market value) · built 2019 · North Sea, Baltic and Mediterranean
Finance, example
€3,564 a month
Purchase price €389,000 (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 450 S: cover, cost and conditions
How much does the name Lagoon 450 S (four hundred fifty) 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 450 S (four hundred fifty)? It starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Lagoon 450 S at the usual market value of €389,000 the premium is €2,752 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail, hull excess €2,500, paid annually. Hull cover accounts for €2,633, liability for €119. Tariff as of 13.11.2026, 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 450 S (four hundred fifty) 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 450 S, number four hundred fifty.
What is a used Lagoon 450 S worth?
A used Lagoon 450 S built between 2016 and 2022 in average condition is typically worth between
€277,100 and €533,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2022 | €418,900 to €533,100 | €476,000 |
| 2021 | €390,000 to €496,400 | €443,200 |
| 2020 | €358,600 to €456,400 | €407,500 |
| 2019 | €342,000 to €435,200 | €388,600 |
| 2018 | €322,700 to €410,700 | €366,700 |
| 2017 | €294,400 to €374,600 | €334,500 |
| 2016 | €277,100 to €352,600 | €314,900 |
With agreed-value cover, the agreed sum counts after a total loss of your Lagoon 450 S;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 7% off the value of a Lagoon 450 S.
Market today
For sale in November 2026
7
Typical asking price, 2019 boat
€429,800
Our value, 2019 boat
€388,600
Asking prices against our value
+11%
In November 2026 we found 7 boats of the Lagoon 450 S for sale.
Typical asking price for a 2019 Lagoon 450 S: €429,800.
Our value for a Lagoon 450 S of that year: €388,600.
Asking prices for the Lagoon 450 S are about 11% 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 7 boats of the Lagoon 450 S we found for sale most recently.
2019
13.96 m, United Kingdom
2019
13.96 m, United Kingdom
2018
13.96 m, Croatia
2018
France
2018
13.96 m, Croatia
2017
13.96 m, Croatia
2017
13.97 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 450 S?
Yes, the Lagoon 450 S (four hundred fifty) 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 450 S cost?
It starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Lagoon 450 S at the usual market value of €389,000 the premium is €2,752 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 95 m² of sail,
hull excess €2,500, paid annually.
Hull cover accounts for €2,633, liability for €119.
Tariff as of 13.11.2026, your own boat may differ.
What your Lagoon 450 S (four hundred fifty) 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 450 S (four hundred fifty) 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 450 S (four hundred fifty),
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 450 S (four
hundred fifty) free of charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Lagoon 450 S insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
