Insuring Phantom: cover and premium
boats of various types
Phantom builds boats of various types. NAMMERT insures a Phantom 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
various
Class
boats of various types
Typical sizes
varies by model
Premium from
from €39 a year for a sailing boat, from €49 for a motorboat
Worth knowing
Phantom; cover, cost and conditions
Phantom shows two faces in our data: the Flying Phantom ranges as cabin catamarans, built from 2012 to 2024, and the motorboats Phantom 16 to 21 from the years 1992 to 2003. A Phantom 21 and an Essentiel are already sailing in our own portfolio. Both boat worlds can be insured with us under the same roof.
For the older motorboat model ranges the agreed value counts: the sum agreed when the policy is taken out is paid in the event of a total loss with no deduction for depreciation ("new for old"), and in the Premium tariff full hull cover has no age limit. A Phantom from the nineties is thus insured at the bindingly agreed value, not at a disputed current market value.
For the catamaran ranges the inclusion of racing is of interest: club races are insured from Basis-Plus upwards, and races with scoring status are to be declared when the policy is taken out. On the premium side, the type of boat, value, year of construction, engine power or sail area and cruising range count. In this way every Phantom variant receives its own suitable rating.
Questions and answers
Frequent questions
My Phantom 21 is from the nineties. Can I still get full hull cover?
Yes, for Phantom too: In the Premium tariff full hull cover applies with no age limit,
and compensation is paid at the agreed value with no deduction for depreciation ("new for old").
The year of construction, the place of purchase and previous owners are no obstacle to acceptance.
Are races with a Flying Phantom insured?
For Phantom: Club races are included from the Basis-Plus tariff upwards.
Races with scoring status are to be declared when the policy is taken out,
and cover is then agreed accordingly.
The cover that fits
boat insurance
Tariffs, cover and FAQ for boat insurance in detail.
Third-party liability
The foundation for a boat from Phantom: damage to third parties, worldwide,
from €39 a year for a sailing boat, from €49 for a motorboat.
Hull cover
Partial or full hull cover for a Phantom, at replacement value with an agreed fixed value.
For the whole class of boat
Insuring a Phantom: what matters depends less on the brand than on engine output,
how a claim is settled and the waters you sail.
Other builders in this class
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 Phantom.
Current wind force and direction for your waters are shown on the Home.
Series by Phantom, build years and cover
Flying Phantom Elite is a cabin catamaran from Phantom, built from 2012 to 2024.
Flying Phantom Essentiel is a cabin catamaran from Phantom, built from 2015 to 2021.
Flying Phantom Sport is a cabin catamaran from Phantom, built from 2017 to 2021.
Flying Phantom Ultimate is a cabin catamaran from Phantom, built from 2016 to 2021.
Phantom 21 Single is a motorboat from Phantom, built from 1993 to 2003.
Phantom 21 Tandem is a motorboat from Phantom, built from 1993 to 2003.
Phantom 21 Twin is a motorboat from Phantom, built from 1993 to 2003.
Phantom 16 is a motorboat from Phantom, built from 1993 to 1999.
Also a motorboat, built from 1993 to 1999.
Also a motorboat, built from 1992 to 1999.
Phantom 18 EXL is a motorboat from Phantom, built from 1992 to 1999.
Also a motorboat, built from 1993 to 1999.
Also a motorboat, built from 1993 to 1999.
Also a motorboat, built from 1993 to 1999.
For the Flying Phantom Elite, Flying Phantom Essentiel,
Flying Phantom Sport by Phantom and 4 more 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 Phantom 16, Phantom 16 Tandem,
Phantom 18 by Phantom and 4 more 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 Flying Phantom Elite, Flying Phantom Essentiel,
Flying Phantom Sport by Phantom and further series:
On catamarans the bridgedeck between the hulls is the sensitive part,
and the berth belongs in the application: double width often means a mooring rather than a marina.
For the Phantom 21 Single, Phantom 21 Tandem, Phantom 21 Twin by Phantom and further series:
On a motorboat the drive is the single most valuable part.
Damage after grounding is covered, an engine failure from wear is not.
The Phantom range in figures
These figures come from the model records we keep for Phantom: boat type, build years and length,
nothing estimated.
- motorboat
- 10 models, 1992 to 2003, mostly 5.1 to 7 m
- cabin catamaran
- 4 models, 2012 to 2024, 5.5 m
Which model was built when?
What does a used Phantom cost?
We hold today’s price ranges by year for 11 models by Phantom.
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 |
|---|---|---|
| Flying Phantom Essentiel | 2018 to 2021 | €11,700 to €19,500 |
| Phantom 16 | 1996 | €10,600 to €13,400 |
| Phantom 16 Tandem | 1996 | €10,600 to €13,400 |
| Phantom 18 | 1995 to 1996 | €13,400 to €17,000 |
| Phantom 18 EXL | 1995 to 1996 | €13,400 to €17,000 |
| Phantom 20 | 1996 | €15,300 to €19,500 |
| Phantom 21 Single | 1996 to 2000 | €17,200 to €22,300 |
| Phantom 21 Tandem | 1996 to 2000 | €17,300 to €22,700 |
| Phantom 21 Twin | 1996 to 2000 | €17,300 to €22,700 |
| Phantom 23 | 1996 | €18,700 to €23,700 |
| Phantom 23 Twin | 1996 | €18,900 to €24,100 |
Estimate from our boat records, October 2026.
Not a survey.
Models by Phantom we insure
Each Phantom model has its own page with cover, cost and the points that matter for that boat.
Your model not listed?
We insure it all the same.
Phantom insured in five minutes.
Boat type, year built, length and value of your Phantom are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
