Melges 32 insurance: calculate your premium
Model page, insured as a sailing yacht
If you own a Melges 32, you insure it with us as a sailing yacht, 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
- Melges
- Type of boat
- sailing yacht
- Length overall
- 9.58 m
- Built
- 2004 to 2025
Length from our boat catalogue for the 2004–2025 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,025 a year
or €93 a month if paid monthly
Liability and hull · boat value €68,000 (market value) · built 2016 · North Sea, Baltic and Mediterranean
Finance, example
€623 a month
Purchase price €68,000 (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.
Melges 32: cover, cost and conditions
Five figures decide what cover for the Melges 32 costs: type of boat, year, value, engine output and cruising area. The model name itself does not change the premium.
For the Melges 32 the premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Melges 32 at the usual market value of €68,000 the premium is €1,025 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail, hull excess €500, paid annually. Hull cover accounts for €936, liability for €89. Tariff as of 04.11.2026, 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 Melges 32 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 Melges 32, number thirty-two.
What is a used Melges 32 worth?
A used Melges 32 built between 2007 and 2024 in average condition is typically worth between
€37,200 and €148,700 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €116,800 to €148,700 | €132,700 |
| 2023 | €112,800 to €143,600 | €128,200 |
| 2022 | €106,500 to €135,500 | €121,000 |
| 2021 | €98,000 to €124,800 | €111,400 |
| 2020 | €90,600 to €115,400 | €103,000 |
| 2019 | €85,300 to €108,600 | €96,900 |
| 2018 | €78,600 to €100,000 | €89,300 |
| 2017 | €69,400 to €88,400 | €78,900 |
| 2016 | €59,900 to €76,300 | €68,100 |
| 2014 | €50,700 to €64,500 | €57,600 |
| 2013 | €48,800 to €62,100 | €55,400 |
| 2012 | €46,200 to €58,800 | €52,500 |
| 2011 | €45,100 to €57,400 | €51,200 |
| 2010 | €42,600 to €54,200 | €48,400 |
| 2009 | €40,500 to €51,600 | €46,000 |
| 2008 | €38,700 to €49,300 | €44,000 |
| 2007 | €37,200 to €47,400 | €42,300 |
With agreed-value cover, the agreed sum counts after a total loss of your Melges 32;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 7% off the value of a Melges 32.
Market today
For sale in November 2026
3
Typical asking price, 2016 boat
€62,000
Our value, 2016 boat
€68,100
Asking prices against our value
−9%
In November 2026 we found 3 boats of the Melges 32 for sale.
Typical asking price for a 2016 Melges 32: €62,000.
Our value for a Melges 32 of that year: €68,100.
The Melges 32 is offered about 9% below 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 Melges 32 we found for sale most recently.
2009
9.70 m, Switzerland
2008
9.75 m, Norway
2006
9.70 m, Germany
year newer than our values
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 Melges 32?
Yes.
For accepting the Melges 32 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 Melges 32 cost?
The premium for the Melges 32 starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Melges 32 at the usual market value of €68,000 the premium is €1,025 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 60 m² of sail,
hull excess €500, paid annually.
Hull cover accounts for €936, liability for €89.
Tariff as of 04.11.2026, 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 Melges 32 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 Melges 32: 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 Melges 32,
your premium starts only once it has expired,
and you keep the switching discount permanently.
Other models by this make
Melges 32 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
