Rivamare 38 insurance: calculate your premium
Model page, insured as a motor yacht
The Rivamare 38 is insurable with us as a motor yacht, 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
- Riva
- Type of boat
- motor yacht
- Length overall
- 11.88 m
- Built
- since 2013
Length from our boat catalogue for the 2013–2026 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€3,421 a year
or €312 a month if paid monthly
Liability and hull · boat value €402,000 (market value) · built 2020 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€3,683 a month
Purchase price €402,000 (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.
Riva Rivamare 38: cover, cost and conditions
For the Rivamare 38 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 Rivamare 38 starts from €49 a year. For a Rivamare 38 at the usual market value of €402,000 the premium is €3,421 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed), hull excess €2,500, paid annually. Hull cover accounts for €3,272, liability for €149. Tariff as of 03.11.2026, 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 Rivamare 38 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 Riva Rivamare 38, number thirty-eight.
What is a used Rivamare 38 worth?
A used Rivamare 38 built between 2016 and 2021 in average condition is typically worth between
€250,200 and €577,400 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2021 | €400,200 to €509,400 | €454,800 |
| 2020 | €363,900 to €463,100 | €413,500 |
| 2019 | €342,900 to €436,400 | €389,600 |
| 2018 | €306,600 to €390,200 | €348,400 |
| 2017 | €453,700 to €577,400 | €515,600 |
| 2016 | €250,200 to €318,400 | €284,300 |
With agreed-value cover, the agreed sum counts after a total loss of your Rivamare 38;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 9% off the value of a Rivamare 38.
Market today
For sale in November 2026
4
Typical asking price, 2019 boat
€820,000
Our value, 2019 boat
€389,600
Asking prices against our value
+110%
In November 2026 we found 4 boats of the Rivamare 38 for sale.
Typical asking price for a 2019 Rivamare 38: €820,000.
Our value for a Rivamare 38 of that year: €389,600.
Asking prices for the Rivamare 38 are about 110% 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 6 boats of the Rivamare 38 we found for sale most recently.
2021
11.58 m, Norway
2018
11.88 m, Switzerland
2017
11.87 m, Switzerland
2017
11.99 m, international
2017
11.88 m, Switzerland
2022
11.88 m, Spain
year newer than our values
€625,000
Listing on yachtall.com ↗
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 Rivamare 38?
Yes.
Whether we insure the Rivamare 38 depends not on make or model but on type of boat, year, value,
engine output and cruising area.
What does cover for a Rivamare 38 cost?
For the Rivamare 38 the premium starts from €49 a year.
For a Rivamare 38 at the usual market value of €402,000 the premium is €3,421 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed),
hull excess €2,500, paid annually.
Hull cover accounts for €3,272, liability for €149.
Tariff as of 03.11.2026, 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 Rivamare 38, 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 Rivamare 38 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 Rivamare 38 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
Rivamare 38 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
