Oyster 495 insurance: calculate your premium
Model page, insured as a blue-water yacht
We insure the Oyster 495 as a blue-water yacht, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
- Make
- Oyster
- Type of boat
- blue-water yacht
- Length overall
- 16.10 m
- Built
- since 2018
Length from our boat catalogue for the 2018–2026 build years. Beam and engine are in your papers; what they record is what counts.
Finance, example
€5,259 a month
Purchase price €574,000 (our value list) · 20% deposit · 10 years · 6.9% interest assumed
Worked example, not a finance offer. The lender decides on the rate and on approval.
Oyster 495: cover, cost and conditions
Oyster 495: for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.
For the Oyster 495: On a long passage the cruising range decides. Storm zones, single-handed rules and crew requirements are stated in the policy and belong checked before you leave, not after. Extensions never apply retrospectively.
What does cover for a Oyster 495 cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.
Bought used, imported or ordered new: we write the Oyster 495 with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.
Not to be mixed up with its sisters: this is the Oyster 495, number four hundred ninety-five.
What is a used Oyster 495 worth?
A used Oyster 495 built between 2021 and 2024 in average condition is typically worth between
€405,000 and €737,700 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €577,100 to €734,500 | €655,800 |
| 2023 | €579,600 to €737,700 | €658,600 |
| 2022 | €433,100 to €551,300 | €492,200 |
| 2021 | €405,000 to €515,400 | €460,200 |
With agreed-value cover, the agreed sum counts after a total loss of your Oyster 495;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 11% off the value of a Oyster 495.
Estimate from our boat records, checked regularly against asking prices. As of November 2026. Not a survey.
Frequently asked
Does NAMMERT insure the Oyster 495?
Yes.
Neither the make nor the model decides whether the Oyster 495 is insurable.
What counts is the type of boat, its year, its value, its engine output and the waters you sail.
What does cover for a Oyster 495 cost?
For the Oyster 495: Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
The exact premium takes a few minutes in the online calculator, with no contact details required.
My model is spelled slightly differently, does this page still apply?
Yes.
Spellings and suffixes of the Oyster 495 vary with the papers and the model year.
Enter the name as it appears in your documents; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover, yes: the Oyster 495 is settled at the agreed value,
and in the Premium tariff without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service cancels the old contract for your Oyster 495 free of charge,
you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Oyster 495 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
