Rio 650 Cruiser insurance: calculate your premium
Model page, insured as a motorboat
The Rio 650 Cruiser 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
- Rio
- Type of boat
- motorboat
- Length overall
- 6.87 m
- Built
- 1988 to 2005
Length from our boat catalogue for the 1988–2005 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€500 a year
or €45 a month if paid monthly
Liability and hull · boat value €18,000 (market value) · built 1998 · 110 hp assumed · inland waters
Finance, example
€165 a month
Purchase price €18,000 (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.
Rio 650 Cruiser: cover, cost and conditions
For the Rio 650 Cruiser 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 Rio 650 Cruiser starts from €49 a year. For a Rio 650 Cruiser at the usual market value of €18,000 the premium is €500 a year: liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €250, paid annually. Hull cover accounts for €391, liability for €109. Tariff as of 02.11.2026, 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 Rio 650 Cruiser 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 Rio 650 Cruiser, number six hundred fifty.
What is a used Rio 650 Cruiser worth?
A used Rio 650 Cruiser built between 1991 and 2002 in average condition is typically worth between
€14,100 and €22,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2002 | €17,700 to €22,500 | €20,100 |
| 2001 | €16,900 to €21,500 | €19,200 |
| 2000 | €16,100 to €20,500 | €18,300 |
| 1999 | €16,000 to €20,400 | €18,200 |
| 1998 | €15,800 to €20,000 | €17,900 |
| 1995 | €14,500 to €18,400 | €16,400 |
| 1994 | €14,200 to €18,000 | €16,100 |
| 1991 | €14,100 to €18,000 | €16,000 |
With agreed-value cover, the agreed sum counts after a total loss of your Rio 650 Cruiser;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 2% off the value of a Rio 650 Cruiser.
Market today
For sale in November 2026
3
Typical asking price, 1999 boat
€19,100
Our value, 1999 boat
€18,200
Asking prices against our value
+5%
In November 2026 we found 3 boats of the Rio 650 Cruiser for sale.
Typical asking price for a 1999 Rio 650 Cruiser: €19,100.
Our value for a Rio 650 Cruiser of that year: €18,200.
Asking prices for the Rio 650 Cruiser are about 5% above 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 Rio 650 Cruiser we found for sale most recently.
2001
6.87 m, Switzerland
2000
6.50 m, Switzerland
1999
6.93 m, Switzerland
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 Rio 650 Cruiser?
Yes.
Whether we insure the Rio 650 Cruiser depends not on make or model but on type of boat, year,
value, engine output and cruising area.
What does cover for a Rio 650 Cruiser cost?
For the Rio 650 Cruiser the premium starts from €49 a year.
For a Rio 650 Cruiser at the usual market value of €18,000 the premium is €500 a year:
liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €250, paid annually.
Hull cover accounts for €391, liability for €109.
Tariff as of 02.11.2026, 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 Rio 650 Cruiser, 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 Rio 650 Cruiser 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 Rio 650 Cruiser 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
Rio 650 Cruiser insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
