Lagoon 46 insurance: calculate your premium

Model page, insured as a catamaran

We insure the Lagoon 46 (forty-six) as a catamaran, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.

Calculate premium Compare cover

At a glance

Make: Lagoon
Type of boat: catamaran
Length overall: 13.99 m
Built: since 2016

Length from our boat catalogue for the 2016–2026 build years. Beam and engine are in your papers; what they record is what counts.

Premium, example

€3,849 a year

or €352 a month if paid monthly

Liability and hull · boat value €551,000 (market value) · built 2022 · North Sea, Baltic and Mediterranean

Calculate premium: Lagoon 46

Finance, example

€5,048 a month

Purchase price €551,000 (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.

Ask about finance

Length 13.99 m against a metre scale, to scale. Built since 2016.

Lagoon 46: cover, cost and conditions

Lagoon 46 (forty-six): for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.

What does cover for a Lagoon 46 (forty-six) cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Lagoon 46 at the usual market value of €551,000 the premium is €3,849 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 €3,730, liability for €119. Tariff as of 03.11.2026, your own boat may differ. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.

Bought used, imported or ordered new: we write the Lagoon 46 (forty-six) with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.

Not to be mixed up with its sisters: this is the Lagoon 46, number forty-six.

What is a used Lagoon 46 worth?

A used Lagoon 46 built between 2019 and 2025 in average condition is typically worth between

€403,300 and €1,046,900 today.

Well kept boats with recent engines sit above that, boats with defects below.

Year built	typical range	midpoint
2025	€822,600 to €1,046,900	€934,700
2024	€506,500 to €644,600	€575,500
2023	€502,800 to €640,000	€571,400
2022	€485,200 to €617,500	€551,400
2021	€454,600 to €578,600	€516,600
2020	€423,300 to €538,700	€481,000
2019	€403,300 to €513,300	€458,300

With agreed-value cover, the agreed sum counts after a total loss of your Lagoon 46;

with actual-value cover, the value at the time.

Does your sum still fit?

Each extra year of age takes about 11% off the value of a Lagoon 46.

Market today

For sale in November 2026

Typical asking price, 2022 boat

€629,600

Our value, 2022 boat

€551,400

Asking prices against our value

+14%

In November 2026 we found 34 boats of the Lagoon 46 for sale.

Typical asking price for a 2022 Lagoon 46: €629,600.

Our value for a Lagoon 46 of that year: €551,400.

Asking prices for the Lagoon 46 are about 14% 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 30 boats of the Lagoon 46 we found for sale most recently.

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.

Check an asking price: Lagoon 46

Check your sum insured: Lagoon 46

Estimate your boat

Estimate from our boat records, checked regularly against asking prices. As of November 2026. Not a survey.

Frequently asked

Does NAMMERT insure the Lagoon 46?

Yes.

Neither the make nor the model decides whether the Lagoon 46 (forty-six) is insurable.

What counts is the type of boat, its year, its value, its engine output and the waters you sail.

What does cover for a Lagoon 46 cost?

Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.

For a Lagoon 46 at the usual market value of €551,000 the premium is €3,849 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 €3,730, liability for €119.

Tariff as of 03.11.2026, your own boat may differ.

The exact premium takes a few minutes in the online calculator, with no contact details required.

My model is spelled slightly differently, does this page still apply?

Yes.

Spellings and suffixes of the Lagoon 46 (forty-six) vary with the papers and the model year.

Enter the name as it appears in your documents; the technical figures decide premium and cover.

On a total loss, do I get the replacement value?

Under full cover, yes: the Lagoon 46 (forty-six) is settled at the agreed value,

and in the Premium tariff without limit and with no deduction for new-for-old.

Can I switch from my existing insurer?

Yes.

Our switching service cancels the old contract for your Lagoon 46 (forty-six) free of charge,

you pay only once it has run out,

and you keep a permanent switching discount.

Other models by this make

Lagoon 38 Lagoon 42 Millenium Lagoon 43 Lagoon 46 Iconic Lagoon 47 Lagoon 51 Iconic Lagoon 55 Millenium Lagoon 60 Lagoon Sixty 5 Lagoon Eighty 2 Lagoon Sixty 7 Lagoon Eighty 3 Lagoon 50 Lagoon 410 Lagoon 42 Lagoon 450 Lagoon 380 Lagoon 400 Lagoon 52 Lagoon 40 Lagoon 39 Lagoon 440 Lagoon 620 Lagoon 500

All models by Lagoon

Bollard with a mooring line made fast on a jetty, a lake in summer behind

Lagoon 46 insured in five minutes.

Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.

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