Insuring Lema: cover and premium
boats of various types
Lema builds boats of various types. NAMMERT insures a Lema 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
various
Class
boats of various types
Typical sizes
varies by model
Premium from
from €39 a year for a sailing boat, from €49 for a motorboat
Worth knowing
Lema; cover, cost and conditions
Small production runs have a hard time with some insurers because comparable values are missing. Not with us: we insure small production runs and even home-built boats, and the premium is based on the type of boat, value, year of build, engine output and cruising range, never on how well known the brand is. That applies to boats from Lema as well.
Lema GEN and Lema Gold are already sailing in our own portfolio. When the contract is taken out we agree the value of the boat as an agreed value; in the event of a claim we indemnify with no deduction for depreciation (new for old). Particularly on boats without a broad second-hand market, the agreed value saves any later discussion about the depreciated value.
Cover does not end at the waterline: it applies in winter storage, during craning and launching and while the boat is in transit; a boat trailer is covered by the third-party liability at no extra premium from Basis-Plus, provided it is named in the application with its value. You can add it to the hull cover for a premium. Up to a sum insured of 2.5 million euros you take out the contract online, above that we examine each case individually.
Questions and answers
Frequent questions
My Lema was built only in small numbers. Does that make valuation more difficult?
No, not for Lema either: When the contract is taken out we agree the value as an agreed value,
which is binding in the event of a claim.
Small production runs are expressly insurable with us.
I converted my Lema Gold myself. Does cover remain in place?
Yes, for Lema too: home-built and converted boats are insurable too.
State the current value and the engine output so that the agreed value and the premium match the
boat as it is.
The cover that fits
boat insurance
Tariffs, cover and FAQ for boat insurance in detail.
Third-party liability
The foundation for a boat from Lema: damage to third parties, worldwide,
from €39 a year for a sailing boat, from €49 for a motorboat.
Hull cover
Partial or full hull cover for a Lema, at replacement value with an agreed fixed value.
For the whole class of boat
Insuring a Lema: what matters depends less on the brand than on engine output,
how a claim is settled and the waters you sail.
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 Lema.
Current wind force and direction for your waters are shown on the Home.
Models by Lema we insure
Each Lema model has its own page with cover, cost and the points that matter for that boat.
Your model not listed?
We insure it all the same.
Lema insured in five minutes.
Boat type, year built, length and value of your Lema are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
