Insuring Oyster Yachts: cover and premium

sailing boats and sailing yachts · the United Kingdom

Oyster Yachts builds sailing boats and sailing yachts in the United Kingdom. NAMMERT insures a Oyster 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.

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At a glance

Origin

the United Kingdom

Class

sailing boats and sailing yachts

Typical sizes

14 to 30 m

Premium from

from €39 a year for liability

Worth knowing

Oyster 495 bis 885

Deckssalon-Modelle

Oyster Yachts; cover, cost and conditions

Oyster of Southampton builds blue water yachts for circumnavigations, with a deck saloon, solid construction and values in the seven-figure range. Anyone who owns an Oyster usually sails it far, and that is exactly where standard policies stop.

What is needed is a genuinely worldwide cruising range with no time limit and no obligation to return, with the option of a berth outside Europe and without hurricane or cyclone exclusion clauses. In addition, salvage costs at a level that matches the value: in the Premium tariff up to 2.5 million euros including wreck removal. A cap in the five-figure range is ineffective in this value class.

Questions and answers

Frequent questions

Is a circumnavigation with my Oyster insured?

For Oyster: With our blue water cover, yes: worldwide cruising range with no time limit,

the Panama and Suez passages, the Pacific and the Indian Ocean, with no hurricane exclusion.

The cover that fits

For Oyster: 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, Oyster included.

Insuring sailing boats and sailing yachts, every brand and every condition

Other builders in this class

MB Metallbau Melges Michael Schmidt Yachtbau Moody More Boats Mylius Yachts Najad Nauticat Nautor Swan Nordan Nordia Yachts Nordship Passport Yachts Pendennis Perini Navi Persico Marine Pogo Structures Reichel/Pugh Reinke RM Yachts Robbe & Berking Classics Royal Huisman Rustler Saffier

Directory of all makes from A to Z

Nautical information What counts before you cast off, papers, equipment, waters

Licence

A powerboat licence (inland or coastal) is required from 15 hp (11.03 kW).

Registration

Registration from 3 hp; for trips abroad carry the boat certificate or flag document.

Waters

Inland, coastal and abroad; plan fairways, bridge clearances, draught and tides.

Equipment

Lifesaving gear, fire extinguisher, anchor, signalling equipment and correct navigation lights.

Cruising range

The agreed cruising range is stated in the policy and can be extended at any time.

Weather

Check wind force in Beaufort and wind direction before casting off, and allow for gusts.

General guidance, not a complete account;

what governs are the rules of the waters you are on and the manual of your Oyster.

Current wind force and direction for your waters are shown on the Home.

Series by Oyster, with value and cover

Oyster 435 / 55 (classic)

Oyster 435 / 55 (classic) is a sailing yacht from Oyster (the United Kingdom),

built from 1980 to 1998,

and today changes hands at between €110,000 and €320,000.

Oyster 495

Oyster 495 is a sailing yacht from Oyster (the United Kingdom), built since 2018,

and today changes hands at between €1,400,000 and €3,600,000.

Oyster 56 / 62 (classic)

Also a sailing yacht, built from 1995 to 2012, €450,000 to €1,100,000.

Oyster 37 / 41 (classic)

Also a sailing yacht, built from 1985 to 2002, €115,000 to €325,000.

Oyster 46 / 54

Oyster 46 / 54 is a sailing yacht from Oyster (the United Kingdom), built from 1995 to 2020,

and today changes hands at between €280,000 and €890,000.

Oyster 565 / 675

Also a sailing yacht, built since 2010, €890,000 to €3,200,000.

Oyster 745 / 885

Also a sailing yacht, built since 2015, €2,800,000 to €9,500,000.

Oyster 495 / 565 / 595

Oyster 495 / 565 / 595 is a motorboat from Oyster (the United Kingdom), built since 2015,

and today changes hands at between €1,600,000 and €3,200,000.

Oyster 675 / 745 / 885

Also a motorboat, built since 2015, €3,800,000 to €9,500,000.

What this means for the cover

For the Oyster 435 / 55 (classic) by Oyster 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 Oyster 495, Oyster 565 / 675,

Oyster 745 / 885 by Oyster and 2 more series are 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 Oyster 56 / 62 (classic),

Oyster 37 / 41 (classic) and Oyster 46 / 54 by Oyster series the market value and the replacement

cost often differ widely.

An agreed value removes the age-based scale, and the figure in the policy stands.

For the Oyster 435 / 55 (classic), Oyster 495,

Oyster 56 / 62 (classic) by Oyster and further series:

On sailing yachts the rig and the underwater hull are the expensive parts:

a dismasting quickly costs a quarter of the boat,

and osmosis counts as wear and is covered by no hull policy.

All series at a glance

The Oyster range in figures

These figures come from the model records we keep for Oyster: boat type, build years and length,

nothing estimated.

sailing yacht: 99 models, since 1967, mostly 10.7 to 24.2 m
motor yacht: 2 models, 1987 to 2012, 12.1 to 13.3 m

Which model was built when?

Sailing boat Motorboat RIBEach bar is one Oyster model, running from its first to its last year of build. The colour shows the type of boat. Showing 24 of 101 models.

What does a used Oyster cost?

We hold today’s price ranges by year for 57 models by Oyster.

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
Heritage 37	1985 to 1996	€46,000 to €82,600
Heritage 37 Pilot House	1990 to 1997	€57,900 to €88,900
Hustler 27	1982 to 1984	€8,700 to €12,300
Hustler 30	1970 to 1984	€13,100 to €17,900
Hustler 32	1982 to 1983	€15,500 to €20,000
Hustler 33	1982 to 1984	€18,400 to €25,000
Oyster 26	1978 to 1983	€7,700 to €12,700
Oyster 34	1980 to 1981	€20,200 to €25,800
Oyster 35	1979 to 1983	€37,700 to €52,600
Oyster 35	1979 to 1981	€37,700 to €49,000
Oyster 37	1978 to 1982	€34,200 to €45,200
Oyster 37 Heritage	1989 to 1990	€42,300 to €54,600
Oyster 37 Heritage MK-II	1989 to 1990	€47,400 to €60,900
Oyster 37 Heritage Pilot House	1994 to 1996	€57,800 to €78,500
Oyster 39	1978 to 1985	€50,200 to €68,200
Oyster 395 Lightwave OD	1989 to 2003	€43,300 to €87,200
Oyster 406	1990 to 1994	€72,100 to €100,300
Oyster 406 Coachroof	1989 to 1990	€81,000 to €103,600
Oyster 406 Deck Saloon	1988 to 1997	€79,300 to €117,100
Oyster 41	1980 to 1984	€35,900 to €49,200
Oyster 42 Deck Salon	1998 to 2002	€95,400 to €149,000
Oyster 43	1982 to 1983	€44,800 to €57,700
Oyster 435	1983 to 1994	€79,200 to €119,200
Oyster 435 Coachroof	1989 to 1990	€93,200 to €119,600
Oyster 435 Deck Saloon	1989 to 1997	€93,200 to €145,100
Oyster 435 Sovereign	1983 to 1994	€71,700 to €132,600
Oyster 45	1997	€139,400 to €177,400
Oyster 45 Deckssalon	1997 to 2005	€109,000 to €210,300
Oyster 46	1980 to 1991	€100,200 to €162,000
Oyster 46 Decksalon	2004 to 2014	€226,800 to €366,000
Oyster 461 DS	1994 to 1997	€136,700 to €199,900
Oyster 47 Deckssalon	2002 to 2005	€193,700 to €258,900
Oyster 475	2014 to 2017	€269,600 to €388,600
Oyster 48 Lightwave	1988 to 2003	€115,700 to €199,000
Oyster 485	1993 to 1994	€151,100 to €196,400
Oyster 485	1993 to 1995	€143,100 to €196,500
Oyster 485 DS	1994 to 2003	€149,200 to €300,100
Oyster 49	1993 to 1994	€158,300 to €205,100
Oyster 49 Decksalon	2000 to 2009	€207,200 to €358,100
Oyster 49 Pilot House	1990 to 1999	€145,500 to €235,400
Oyster 49 Sovereign	1993 to 1994	€151,900 to €196,200
Oyster 495	2021	€524,800 to €668,000
Oyster 495	2021 to 2024	€405,000 to €737,700
Oyster 52	1998 to 1999	€233,400 to €305,900
Oyster 525 Decksalon	2008 to 2009	€276,700 to €363,800
Oyster 53	1990	€110,900 to €141,100
Oyster 53 Decksalon	1999 to 2009	€186,400 to €348,600
Oyster 54	2008 to 2015	€303,700 to €484,300
Oyster 545	2014 to 2017	€365,900 to €502,400
Oyster 55	1989 to 1995	€194,500 to €292,700
Oyster 55 DS	1994 to 1999	€228,800 to €343,700
Oyster 55 Pilot House	1994 to 1999	€194,800 to €326,700
Oyster 55 Sovereign	1994 to 1996	€186,500 to €252,200
Oyster 56	1998 to 2014	€394,300 to €755,300
Oyster 56 Decksalon	1998 to 2010	€279,700 to €604,800
Oyster 575	2010 to 2016	€620,200 to €917,500
Oyster LD 43	2006 to 2009	€117,400 to €168,100