Insuring Lucks: cover and premium
sailing boats and sailing yachts · several countries
Lucks builds sailing boats and sailing yachts in several countries. NAMMERT insures a Lucks 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
several countries
Class
sailing boats and sailing yachts
Typical sizes
Premium from
from €39 a year for liability
Worth knowing
Lucks; cover, cost and conditions
Listed is the Fördelugger, a sailing boat with years of construction from 1995 to 2003. With a boat for which only one range is documented, the question of insurability quickly arises. Small series and home-built boats can be insured, and the brand has no effect on the premium.
The premium is based on type of boat, value, year of construction, sail area and cruising range. In full hull cover an agreed value is agreed which records the value of the boat in the contract. Compensation is paid in the event of a claim with no deduction for depreciation (new for old), in the Premium tariff with no age limit.
Third-party liability with a limit of indemnity of 10 to 50 million euros forms the basis and is available in Basis, Basis-Plus and Premium. Cover also applies in winter storage, during craning, launching and transport. An existing previous contract is cancelled free of charge under the switching service.
Questions and answers
Frequent questions
Can one-offs and home-built boats be insured?
Yes, for Lucks too: We accept small series and home-built boats.
What is decisive are the details of the boat itself, that is type of boat, value,
year of construction, sail area and cruising range.
How is the value recorded in the contract?
For Lucks: Through the agreed value.
It is agreed when the contract is taken out,
and full hull cover pays out on this basis with no deduction for depreciation (new for old),
in the Premium tariff with no age limit.
The cover that fits
sailing boat insurance
Tariffs, cover and FAQ for sailing boat insurance in detail.
Third-party liability
The foundation for a boat from Lucks: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a Lucks, at replacement value with an agreed fixed value.
For the whole class of boat
For Lucks: What matters for sailing boats and sailing yachts 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, Lucks included.
Insuring sailing boats and sailing yachts, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
Under sail no licence is needed; with an auxiliary engine from 15 hp one is.
Registration
Official number or boat certificate; a flag document for trips abroad.
Waters
Inland lakes, the Baltic and the North Sea; tide, current and shoals belong in the passage plan.
Equipment
Lifejackets, harness and jackstays, lifebuoy, distress signals, reefing system.
Cruising range
Certificate of insurance for foreign harbours; check that racing is covered.
Weather
Reef in time: first reef from Beaufort 5, second from 6, watch the gust forecast.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Lucks.
Current wind force and direction for your waters are shown on the Home.
Series by Lucks, build years and cover
Fördelugger is a sailing boat from Lucks, built from 1995 to 2003.
For the Fördelugger by Lucks 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.
For the Fördelugger by Lucks series: On boats this size the condition of rig and fittings decides.
A dismasting is covered, worn terminals after years are not.
What does a used Lucks cost?
We hold today’s price ranges by year for 1 models by Lucks.
The table shows what boats in average condition are worth,
from the oldest to the youngest year on record.
Choose your exact model, year and condition in the calculator.
| Model | Years built | Range today |
|---|---|---|
| Fördelugger | 1998 to 2000 | €9,700 to €12,900 |
Estimate from our boat records, October 2026.
Not a survey.
Lucks insured in five minutes.
Boat type, year built, length and value of your Lucks are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
