Insuring Mistral: cover and premium
dinghies and small craft · Germany / Switzerland
Mistral builds dinghies and small craft in Germany / Switzerland. NAMMERT insures a Mistral regardless of year built or where you bought it, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
Germany / Switzerland
Class
dinghies and small craft
Typical sizes
3 to 4 m
Premium from
from €59 a year for hull cover
Worth knowing
Mistral; cover, cost and conditions
Mistral shaped windsurfing from 1976 onwards and, with the One Design, was an Olympic class from 1996 to 2004; today the brand builds windsurf boards and SUPs, and the stock of older boards is considerable. With a Mistral One Design or an Equipe from the nineties, the question of value is the more interesting one.
Classic windsurf boards have a collectors market, and a well preserved original can be worth more than a current leisure board. With collectors items, have the value documented by market comparison or an expert report and record it as an agreed value. Without it the value would be written down by age, and the result would have nothing to do with the collectors value.
For current boards the usual applies: the rig as an accessory in the application, race inclusion for regatta use, a cruising range level that matches the waters. Delamination on older boards is material fatigue and is not covered; a break after a fall or transport damage is. We do not offer boat third-party liability for muscle powered and wind powered craft.
Questions and answers
Frequent questions
How do I insure a classic windsurf board?
For Mistral: With a documented value as an agreed value, by market comparison or an expert report.
With collectors items the value is well above a write down by age.
Is delamination on an old board covered?
No, not for Mistral either: that is material fatigue.
A break after a fall or transport damage is covered under full hull cover.
The cover that fits
For Mistral we do not offer separate boat liability cover; your personal liability insurance usually applies. Hull, legal expenses and accident cover we insure as for any other craft.
boat insurance
Tariffs, cover and FAQ for boat insurance in detail.
Hull cover
Partial or full hull cover for a Mistral, at replacement value with an agreed fixed value.
Personal accident cover
People on board a Mistral: the part that counts on a boat moved by muscle.
For the whole class of boat
For Mistral: What matters for dinghies and small craft 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, Mistral included.
Insuring dinghies and small craft, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
No licence required; muscle-powered craft are licence-free, federal waterways included.
Registration
No registration required.
Some waters do ask for a local permit or sticker before you launch.
Waters
Lakes, rivers and coast; mind nature-reserve rules, many stretches close seasonally.
Equipment
Buoyancy aid, buoyancy bags, spraydeck, a waterproof case for phone and papers, a whistle.
Cruising range
The cruising range is in the policy and can be extended for a single trip at any time.
Weather
Offshore wind is the main risk.
Check wind direction and the gust forecast before you launch.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Mistral.
Current wind force and direction for your waters are shown on the Home.
Series by Mistral, with value and cover
Mistral Competition / Superlight is a sailing dinghy from Mistral (DE/CH), built from 1976 to 1995,
and today changes hands at between €1,000 and €3,000.
Mistral Equipe / Superlight Windsurf is a paddle boat from Mistral (DE/CH), built since 1985,
and today changes hands at between €1,000 and €3,000.
Mistral SUP Adventure is a paddle boat from Mistral (DE/CH), built since 2010,
and today changes hands at between €1,000 and €2,000.
Windsurfboard / SUP is a paddle boat from Mistral (DE/CH), built since 1976,
and today changes hands at between €1,000 and €4,000.
Mistral Windsurfboards und SUP is a motorboat from Mistral (DE/CH), built since 1976,
and today changes hands at between €500 and €2,400.
For the Mistral Competition / Superlight by Mistral 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.
As the Mistral Equipe / Superlight Windsurf,
Mistral SUP Adventure and Windsurfboard / SUP by Mistral series are still in production,
parts are available and repairs are predictable.
Still, set the value at replacement cost, including sails, rigging or gear you bought later.
As the Mistral Windsurfboards und SUP by Mistral series is still in production,
parts are available and repair costs are predictable.
Even so, value it at replacement cost including retrofitted electronics, not at list price.
For the Mistral Competition / Superlight by Mistral series:
Dinghies are mostly trailed and stored ashore,
and that is where most damage happens: rigging, strapping down and winter storage.
For the Mistral Equipe / Superlight Windsurf, Mistral SUP Adventure,
Windsurfboard / SUP by Mistral series: On paddle craft theft and transit damage are the rule,
collisions the exception.
The Mistral range in figures
These figures come from the model records we keep for Mistral: boat type, build years and length,
nothing estimated.
- inflatable without engine
- 6 models, 1984 to 1995, 2 to 5.2 m
- sailing yacht
- 1 model, 1964 to 1975, 9.4 m
- sailing boat
- 1 model, 1965 to 1975, 5.7 m
Which model was built when?
Mistral insured in five minutes.
Boat type, year built, length and value of your Mistral are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
