Melges 15 insurance: calculate your premium
Model page, insured as a sailing dinghy
We insure the Melges 15 as a sailing dinghy, 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.
At a glance
- Make
- Melges
- Type of boat
- sailing dinghy
- Length overall
- 4.57 m
- Built
- since 2017
Length from our boat catalogue for the 2017–2026 build years. Beam and engine are in your papers; what they record is what counts.
Finance, example
€101 a month
Purchase price €11,000 (our value list) · 20% deposit · 10 years · 6.9% interest assumed
Worked example, not a finance offer. The lender decides on the rate and on approval.
Melges 15: cover, cost and conditions
Melges 15: 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.
For the Melges 15: Dinghies are trailed and stored ashore, and that is where most damage happens: rigging and unrigging, strapping down, winter storage. Rig, sails and trapeze gear belong in the sum insured; they often outweigh the hull.
What does cover for a Melges 15 cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. 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 Melges 15 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 Melges 15, number fifteen.
What is a used Melges 15 worth?
A used Melges 15 built between 2020 and 2024 in average condition is typically worth between
€8,000 and €13,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €10,100 to €12,800 | €11,400 |
| 2023 | €10,300 to €13,100 | €11,700 |
| 2022 | €9,300 to €11,900 | €10,600 |
| 2021 | €8,900 to €11,300 | €10,100 |
| 2020 | €8,000 to €10,200 | €9,100 |
With agreed-value cover, the agreed sum counts after a total loss of your Melges 15;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 5% off the value of a Melges 15.
Estimate from our boat records, checked regularly against asking prices. As of November 2026. Not a survey.
Frequently asked
Does NAMMERT insure the Melges 15?
Yes.
Neither the make nor the model decides whether the Melges 15 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 Melges 15 cost?
For the Melges 15: Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
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 Melges 15 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 Melges 15 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 Melges 15 free of charge,
you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Melges 15 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
