Insuring Rias: cover and premium
motorboats and sports boats · several countries
Rias: builder of small motorboats. NAMMERT insures a Rias 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
several countries
Class
motorboats and sports boats
Typical sizes
2,4 to 4,7 m
Premium from
from €49 a year for liability
Worth knowing
Rias; cover, cost and conditions
Rias is listed in the data set with 14 small motorboats between 2.4 and 4.7 m, built between 1980 and 1997. The recorded fleet consists mainly of Terhi models such as the 405 Sea Fun, 415 Nova, Big Fun and Baby Fun, plus the Nordic 6020.
All build years lie decades back, so hull cover with a fixed agreed value instead of the current value keeps the insured sum binding. Since boats of this size are almost always moved on a trailer, liability is the basis and transport should be included.
NAMMERT insures Rias boats regardless of build year and place of purchase. The online calculator shows the premium in about 5 minutes.
Questions and answers
Frequent questions
Does NAMMERT insure Rias boats from the 1980s?
Yes, for Rias too: the recorded fleet spans 1980 to 1997,
and NAMMERT insures all build years; a fixed agreed value is recommended for hull cover.
Can I insure a Terhi 440 by Rias?
Yes, for Rias too: the 4.4 m Terhi 440 is part of the recorded fleet;
liability is the basis and trailer transport is included.
The cover that fits
motorboat insurance
Tariffs, cover and FAQ for motorboat insurance in detail.
Third-party liability
The foundation for a boat from Rias: damage to third parties, worldwide,
from €49 a year for liability.
Hull cover
Partial or full hull cover for a Rias, at replacement value with an agreed fixed value.
For the whole class of boat
For Rias: What matters for motorboats and sports boats 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, Rias included.
Insuring motorboats and sports boats, every brand and every condition
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 Rias.
Current wind force and direction for your waters are shown on the Home.
Series by Rias, build years and cover
Terhi 405 Sea Fun is a motorboat from Rias, built from 1986 to 1997.
Terhi 415 R is a motorboat from Rias, built from 1980 to 1995.
Terhi 105 Micro Fun is a motorboat from Rias, built from 1984 to 1994.
Terhi 385 is a motorboat from Rias, built from 1987 to 1994.
Terhi 405 Fun is a motorboat from Rias, built from 1987 to 1994.
Terhi 415 Nova is a motorboat from Rias, built from 1987 to 1994.
Also a motorboat, built from 1987 to 1994.
Terhi Baby Fun is a motorboat from Rias, built from 1987 to 1994.
Terhi Big Fun 1600 S is a motorboat from Rias, built from 1984 to 1994.
Terhi Big Fun Nova is a motorboat from Rias, built from 1987 to 1994.
Terhi Nordic 6020 is a motorboat from Rias, built from 1987 to 1994.
Also a motorboat, built from 1980 to 1993.
Terhi Big Fun STD is a motorboat from Rias, built from 1986 to 1993.
Terhi Troller is a motorboat from Rias, built from 1986 to 1993.
For the Terhi 405 Sea Fun, Terhi 415 R,
Terhi 105 Micro Fun by Rias and 11 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 Terhi 405 Sea Fun, Terhi 415 R, Terhi 105 Micro Fun by Rias 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 Rias range in figures
These figures come from the model records we keep for Rias: boat type, build years and length,
nothing estimated.
- motorboat
- 14 models, 1980 to 1997, mostly 2.4 to 4.7 m
Which model was built when?
What does a used Rias cost?
We hold today’s price ranges by year for 6 models by Rias.
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 |
|---|---|---|
| Terhi 105 Micro Fun | 1987 to 1991 | €1,200 to €1,700 |
| Terhi 245 | 1983 to 1990 | €300 to €1,100 |
| Terhi 405 Sea Fun | 1989 to 1994 | €3,400 to €11,100 |
| Terhi 415 R | 1983 to 1992 | €3,700 to €5,000 |
| Terhi Big Fun 1600 S | 1987 to 1991 | €6,800 to €8,800 |
| Terhi Troller | 1989 to 1990 | €3,400 to €4,400 |
Estimate from our boat records, October 2026.
Not a survey.
Rias insured in five minutes.
Boat type, year built, length and value of your Rias are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
