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Insuring Le Boat / Pénichette: cover and premium
houseboats and electric boats · France
Le Boat / Pénichette builds houseboats and electric boats in France. NAMMERT insures a Le Boat / Pénichette regardless of year built or where you bought it, liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
France
Class
houseboats and electric boats
Typical sizes
9 to 14 m
Premium from
from €79 a year
Worth knowing
Le Boat / Pénichette; cover, cost and conditions
The Pénichette is the classic canal cruiser of the French inland waterways, a flat displacement boat in the style of a scaled-down péniche, originally built for the charter fleets of Locaboat and Le Boat and today found in large numbers as an owner's boat on the second-hand market. Anyone taking over a Pénichette is insuring a former charter boat with a high number of operating hours: the value belongs in a surveyor's report, not taken from a list.
Canal cruising has a damage pattern of its own. Locks are the main source: hull damage along the topsides, damaged rubbing strakes, bent guard rails. This damage is covered under full hull cover, not under limited hull cover, and it occurs so regularly that the choice of deductible decides here whether the policy makes economic sense. On a boat that passes through dozens of locks every season, a low deductible is sensible.
For the cruising range the EU inland level is sufficient, covering rivers and canals within Europe. Pay attention to the vignette and usage obligations of the waterway authorities, in France the VNF fee, in the Netherlands the vignet. These charges are not an insurance matter, but without them the passage is not permitted, and an unpermitted passage can become an issue in the event of a claim.
Questions and answers
Frequent questions
Is lock damage covered?
For Le Boat / Pénichette: Under full hull cover yes.
On a canal boat it is the most frequent claim, so choose a correspondingly low deductible.
Which cruising range do I need for France?
For Le Boat / Pénichette: The EU inland level covers rivers and canals within Europe.
The VNF fee for the use of the waterways is separate from that and is your responsibility.
The cover that fits
houseboat insurance
Tariffs, cover and FAQ for houseboat insurance in detail.
Third-party liability
The foundation for a boat from Le Boat / Pénichette: damage to third parties, worldwide,
from €79 a year.
Hull cover
Partial or full hull cover for a Le Boat / Pénichette,
at replacement value with an agreed fixed value.
For the whole class of boat
For Le Boat / Pénichette: What matters for houseboats and electric boats is the same across every
brand; engine output, how a claim is settled, cruising range and theft protection.
The class page lists every point and every brand in this class, Le Boat / Pénichette included.
Insuring houseboats and electric boats, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
A powerboat licence (inland or coastal) is required from 15 hp (11.03 kW).
Registration
Registration from 3 hp; for trips abroad carry the boat certificate or flag document.
Waters
Inland, coastal and abroad; plan fairways, bridge clearances, draught and tides.
Equipment
Lifesaving gear, fire extinguisher, anchor, signalling equipment and correct navigation lights.
Cruising range
The agreed cruising range is stated in the policy and can be extended at any time.
Weather
Check wind force in Beaufort and wind direction before casting off, and allow for gusts.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Le Boat / Pénichette.
Current wind force and direction for your waters are shown on the Home.
Series by Le Boat / Pénichette, with value and cover
Elegance und Estivale (ältere Flotte) is a houseboat from Le Boat / Pénichette (France),
built from 1995 to 2015,
and today changes hands at between €60,000 and €180,000.
Horizon 1 is a houseboat from Le Boat / Pénichette (France), built since 2010,
and today changes hands at between €110,000 and €290,000.
Vision 3 / 4 is a houseboat from Le Boat / Pénichette (France), built since 2012,
and today changes hands at between €150,000 and €380,000.
Pénichette 1020 to 1500 is a houseboat from Le Boat / Pénichette (France), built since 1990,
and today changes hands at between €55,000 and €240,000.
Pénichette 935 / 1120 is a houseboat from Le Boat / Pénichette (France), built from 1990 to 2020,
and today changes hands at between €45,000 and €130,000.
Pénichette Flying Bridge is a houseboat from Le Boat / Pénichette (France), built since 2000,
and today changes hands at between €80,000 and €220,000.
Pénichette 950 to 1500 Charterhausboot is a houseboat from Le Boat / Pénichette (France),
built since 1980,
and today changes hands at between €45,000 and €195,000.
Le Boat Horizon und Vision is a houseboat from Le Boat / Pénichette (France), built since 2010,
and today changes hands at between €145,000 and €395,000.
For the Elegance und Estivale (ältere Flotte) and Pénichette 935 / 1120 by Le Boat / Pénichette
series the market value and the replacement cost often differ widely.
An agreed value removes the age-based scale, and the figure in the policy stands.
As the Horizon 1, Vision 3 / 4,
Pénichette 1020 to 1500 by Le Boat / Pénichette and 3 more series are still in production,
parts are available and repair costs are predictable.
Even so, value it at replacement cost including retrofitted electronics, not at list price.
For the Elegance und Estivale (ältere Flotte), Horizon 1,
Vision 3 / 4 by Le Boat / Pénichette and further series: On a houseboat the interior counts.
Water damage inside is the most common claim, well ahead of collision.
Le Boat / Pénichette insured in five minutes.
Boat type, year built, length and value of your Le Boat / Pénichette are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
