Home / Boat insurance / MasterCraft / X-45
MasterCraft X-45 insurance: calculate your premium
Model page, insured as a motorboat
If you own a MasterCraft X-45, you insure it with us as a motorboat, however old it is, wherever it was bought and through however many hands it passed. Liability, hull, legal expenses and personal accident come from one house and are arranged online in five minutes.
At a glance
- Make
- MasterCraft
- Type of boat
- motorboat
- Length overall
- 8.00 m
- Built
- 2000 to 2018
Length from our boat catalogue for the 2000–2018 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€735 a year
or €66 a month if paid monthly
Liability and hull · boat value €44,000 (market value) · built 2006 · 110 hp assumed · inland waters
Finance, example
€403 a month
Purchase price €44,000 (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.
MasterCraft X-45: cover, cost and conditions
Five figures decide what cover for the MasterCraft X-45 costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the MasterCraft X-45 the premium starts from €49 a year. For a MasterCraft X-45 at the usual market value of €44,000 the premium is €735 a year: liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €500, paid annually. Hull cover accounts for €626, liability for €109. Tariff as of 13.11.2026, your own boat may differ; the hull share follows the value. Partial cover insures fire, storm, lightning, theft of the whole boat and winter storage damage, full cover adds collision, grounding, vandalism and theft of parts. On a total loss the agreed value applies, in Premium with no deduction for new-for-old.
Berth in Germany or abroad, bought from a dealer, privately or imported: for the MasterCraft X-45 it makes no difference to us. The international certificate of insurance comes automatically in ten languages. Start cover before the handover and transport and the first launch are included straight away.
Not to be mixed up with its sisters: this is the MasterCraft X-45, number forty-five.
What is a used MasterCraft X-45 worth?
A used MasterCraft X-45 built between 2003 and 2015 in average condition is typically worth
between €34,100 and €60,900 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2015 | €47,900 to €60,900 | €54,400 |
| 2014 | €44,800 to €57,000 | €50,900 |
| 2013 | €41,900 to €53,300 | €47,600 |
| 2012 | €40,000 to €50,900 | €45,500 |
| 2011 | €39,200 to €49,800 | €44,500 |
| 2010 | €37,000 to €47,100 | €42,000 |
| 2009 | €35,300 to €44,900 | €40,100 |
| 2008 | €34,100 to €43,400 | €38,700 |
| 2007 | €39,100 to €49,700 | €44,400 |
| 2006 | €38,600 to €49,100 | €43,800 |
| 2005 | €37,300 to €47,500 | €42,400 |
| 2004 | €35,400 to €45,000 | €40,200 |
| 2003 | €34,700 to €44,100 | €39,400 |
With agreed-value cover, the agreed sum counts after a total loss of your MasterCraft X-45;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 3% off the value of a MasterCraft X-45.
Market today
For sale in November 2026
3
Typical asking price, 2009 boat
€42,200
Our value, 2009 boat
€40,100
Asking prices against our value
+5%
In November 2026 we found 3 boats of the MasterCraft X-45 for sale.
Typical asking price for a 2009 MasterCraft X-45: €42,200.
Our value for a MasterCraft X-45 of that year: €40,100.
Asking prices for the MasterCraft X-45 are about 5% 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 3 boats of the MasterCraft X-45 we found for sale most recently.
2007
7.32 m, United Kingdom
2006
7.50 m, Portugal
2004
7.32 m, Sweden
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 MasterCraft X-45?
Yes.
For accepting the MasterCraft X-45 we look at type of boat, year, value,
engine output and cruising area; make and model alone rule nothing out.
What does cover for a MasterCraft X-45 cost?
The premium for the MasterCraft X-45 starts from €49 a year.
For a MasterCraft X-45 at the usual market value of €44,000 the premium is €735 a year:
liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €500, paid annually.
Hull cover accounts for €626, liability for €109.
Tariff as of 13.11.2026, your own boat may differ.
The online calculator tells you the exact figure in a couple of minutes,
with no name or phone number asked.
My model is spelled slightly differently, does this page still apply?
Yes.
Suffixes and spellings of the MasterCraft X-45 change with the year and the documents.
Write the name as in your papers; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover the agreed value applies to the MasterCraft X-45:
the claim is settled at that value,
in the Premium tariff without limit and with no new-for-old deduction.
Can I switch from my existing insurer?
Yes, free of charge through the switching service:
we cancel the old contract on your MasterCraft X-45, your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
MasterCraft X-45 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
