Insuring Micro: cover and premium
sailing boats and sailing yachts · several countries
Micro builds sailing boats and sailing yachts in several countries. NAMMERT insures a Micro 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
Micro; cover, cost and conditions
For Micro one sailing boat is on record, the 5,5 with years of construction from 1989 to 1998. Other ranges are not recorded. We insure a small sailing boat from the nineties with an agreed value, and the boat trailer is covered by the third-party liability at no additional 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.
As no engine is the decisive factor, on sailing boats the sail area takes the place of the engine power. It enters into the premium alongside type of boat, value, year of construction and cruising range. Club races are included from Basis-Plus upwards, and races with scoring status are to be stated when taking out the policy.
Third-party liability insurance forms the basis with a limit of indemnity of 10 to 50 million euros, graduated over Basis, Basis-Plus and Premium. The limited hull cover covers fire, storm, lightning strike, theft of the entire boat and damage in winter storage. The cover also applies during launching.
Questions and answers
Frequent questions
How is a boat without an engine classified?
For Micro: Via the sail area.
It replaces the engine power as a factor, together with type of boat, value,
year of construction and cruising range.
An auxiliary engine fitted later belongs in the list.
Is transport on the trailer covered?
For Micro: The trailer is covered by the third-party liability at no additional premium from
Basis-Plus, provided it is named in the application with its value,
and the cover exists along the transport route, during launching and in winter storage.
You can add it to the hull cover for a premium.
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 Micro: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a Micro, at replacement value with an agreed fixed value.
For the whole class of boat
For Micro: 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, Micro 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 Micro.
Current wind force and direction for your waters are shown on the Home.
Series by Micro, build years and cover
Micro 5,5 is a sailing boat from Micro, built from 1989 to 1998.
For the Micro 5,5 by Micro series there is no list price left.
That is why we work with an agreed value: you state the figure, we agree it,
and in a total loss exactly that amount is paid, with no deduction for wear.
For the Micro 5,5 by Micro 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 Micro cost?
We hold today’s price ranges by year for 1 models by Micro.
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 |
|---|---|---|
| Micro 5,5 | 1992 to 1995 | €5,700 to €7,900 |
Estimate from our boat records, October 2026.
Not a survey.
Micro insured in five minutes.
Boat type, year built, length and value of your Micro are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
