Monterey 194 FS insurance: calculate your premium
Model page, insured as a motorboat
The Monterey 194 FS is insurable with us as a motorboat, whatever its year, wherever you bought it and however many owners came before you. Liability, hull, legal expenses and personal accident cover sit in one contract, set up online in five minutes.
At a glance
- Make
- Monterey
- Type of boat
- motorboat
- Length overall
- 6.60 m
- Built
- 2003 to 2018
Length from our boat catalogue for the 2003–2018 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€487 a year
or €44 a month if paid monthly
Liability and hull · boat value €22,000 (market value) · built 2011 · 110 hp assumed · inland waters
Finance, example
€202 a month
Purchase price €22,000 (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.
Monterey 194 FS: cover, cost and conditions
For the Monterey 194 FS we do not price by model name. The premium comes from five entries in the online calculator: type of boat, year, value, engine output and cruising area.
The premium for a Monterey 194 FS starts from €49 a year. For a Monterey 194 FS at the usual market value of €22,000 the premium is €487 a year: liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €250, paid annually. Hull cover accounts for €378, liability for €109. Tariff as of 01.11.2026, your own boat may differ. How much hull cover adds depends on the value: partial cover pays for fire, storm, lightning, theft of the whole boat and winter storage damage, full cover also for collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, in Premium with no new-for-old deduction.
Whether bought used, brought in from abroad or ordered new, we write the Monterey 194 FS with a berth in Germany or abroad. The international certificate of insurance arrives automatically in ten languages. Take cover out before the handover and transport and the first launch are already insured.
Not to be mixed up with its sisters: this is the Monterey 194 FS, number one hundred ninety-four.
What is a used Monterey 194 FS worth?
A used Monterey 194 FS built between 2006 and 2014 in average condition is typically worth between
€16,800 and €28,200 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2014 | €22,200 to €28,200 | €25,200 |
| 2013 | €21,000 to €26,800 | €23,900 |
| 2012 | €20,100 to €25,500 | €22,800 |
| 2011 | €19,800 to €25,200 | €22,500 |
| 2010 | €19,000 to €24,100 | €21,500 |
| 2009 | €18,000 to €22,900 | €20,400 |
| 2008 | €17,600 to €22,400 | €20,000 |
| 2007 | €17,100 to €21,700 | €19,400 |
| 2006 | €16,800 to €21,400 | €19,100 |
With agreed-value cover, the agreed sum counts after a total loss of your Monterey 194 FS;
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 Monterey 194 FS.
Market today
For sale in November 2026
3
Typical asking price, 2010 boat
€18,800
Our value, 2010 boat
€21,500
Asking prices against our value
−13%
In November 2026 we found 3 boats of the Monterey 194 FS for sale.
Typical asking price for a 2010 Monterey 194 FS: €18,800.
Our value for a Monterey 194 FS of that year: €21,500.
The Monterey 194 FS is offered about 13% 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 Monterey 194 FS we found for sale most recently.
2010
Denmark
2008
Denmark
2008
Denmark
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 Monterey 194 FS?
Yes.
Whether we insure the Monterey 194 FS depends not on make or model but on type of boat, year,
value, engine output and cruising area.
What does cover for a Monterey 194 FS cost?
For the Monterey 194 FS the premium starts from €49 a year.
For a Monterey 194 FS at the usual market value of €22,000 the premium is €487 a year:
liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €250, paid annually.
Hull cover accounts for €378, liability for €109.
Tariff as of 01.11.2026, your own boat may differ.
The online calculator shows the exact amount after a few entries,
without you leaving any contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
With the Monterey 194 FS, spelling and suffixes often differ between model years and papers.
Use the name from your documents; premium and cover follow the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Monterey 194 FS is settled at the agreed value,
in the Premium tariff with no cap and no new-for-old deduction.
Can I switch from my existing insurer?
Yes.
The old contract for your Monterey 194 FS is cancelled by our switching service at no cost.
You pay only after it runs out, and the switching discount stays for good.
Other models by this make
Monterey 194 FS insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
