Ryds 438 BF insurance: calculate your premium
Model page, insured as a motorboat
Year, place of purchase and previous owners do not decide whether we insure the Ryds 438 BF (four hundred thirty-eight): we write it as a motorboat. Five minutes online cover everything from liability and hull to legal expenses and personal accident.
At a glance
- Make
- Ryds
- Type of boat
- motorboat
- Length overall
- 4.35 m
- Built
- 2014 to 2022
Length from our boat catalogue for the 2014–2022 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€328 a year
or €27 a month if paid monthly
Liability and hull · boat value €8,000 (market value) · built 2018 · 110 hp assumed · inland waters
Finance, example
€73 a month
Purchase price €8,000 (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.
Ryds 438 BF: cover, cost and conditions
How much does the name Ryds 438 BF (four hundred thirty-eight) matter to the premium? Hardly at all. What counts is the type of boat, the year, the value, the engine output and the cruising area, the five fields of the online calculator.
What should you budget for the Ryds 438 BF (four hundred thirty-eight)? It starts from €49 a year. For a Ryds 438 BF at the usual market value of €8,000 the premium is €328 a year: liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €250, paid annually. Hull cover accounts for €219, liability for €109. Tariff as of 31.10.2026, your own boat may differ. Hull cover follows the value of the boat. Partial: fire, storm, lightning, theft of the whole boat, winter storage. Full, on top: collision, grounding, vandalism, theft of parts. A total loss means the agreed value, in the Premium tariff without new-for-old deductions.
The Ryds 438 BF (four hundred thirty-eight) may be second hand, imported or ordered new, and the berth may be at home or abroad: we write it in each of these cases. The international certificate of insurance comes by itself in ten languages, and cover taken out before the handover already includes transport and the first launch.
Not to be mixed up with its sisters: this is the Ryds 438 BF, number four hundred thirty-eight.
What is a used Ryds 438 BF worth?
A used Ryds 438 BF built between 2017 and 2021 in average condition is typically worth between
€6,700 and €10,500 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2021 | €8,300 to €10,500 | €9,400 |
| 2020 | €7,600 to €9,600 | €8,600 |
| 2019 | €7,400 to €9,400 | €8,400 |
| 2018 | €6,900 to €8,800 | €7,800 |
| 2017 | €6,700 to €8,500 | €7,600 |
With agreed-value cover, the agreed sum counts after a total loss of your Ryds 438 BF;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 5% off the value of a Ryds 438 BF.
Market today
For sale in October 2026
3
Typical asking price, 2019 boat
€8,400
Our value, 2019 boat
€8,400
Asking prices against our value
+0%
In October 2026 we found 3 boats of the Ryds 438 BF for sale.
Typical asking price for a 2019 Ryds 438 BF: €8,400.
Our value for a Ryds 438 BF of that year: €8,400.
Asking prices and value of the Ryds 438 BF are close together.
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 Ryds 438 BF we found for sale most recently.
2018
4.27 m, Norway
2018
4.27 m, Sweden
2017
4.27 m, Sweden
As of October 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 October 2026. Not a survey.
Frequently asked
Does NAMMERT insure the Ryds 438 BF?
Yes, the Ryds 438 BF (four hundred thirty-eight) is insurable with us.
What decides is not make and model but five figures: type of boat, year, value,
engine output and cruising area.
What does cover for a Ryds 438 BF cost?
It starts from €49 a year.
For a Ryds 438 BF at the usual market value of €8,000 the premium is €328 a year:
liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €250, paid annually.
Hull cover accounts for €219, liability for €109.
Tariff as of 31.10.2026, your own boat may differ.
What your Ryds 438 BF (four hundred thirty-eight) costs exactly you can work out online in a few
minutes,
and you need no contact details to do it.
My model is spelled slightly differently, does this page still apply?
Yes.
The Ryds 438 BF (four hundred thirty-eight) appears in papers and brochures under slightly
different names.
Premium and cover go by the technical data, and you enter the name as it stands in your papers.
On a total loss, do I get the replacement value?
Yes, provided you have full cover:
we pay the agreed value for the Ryds 438 BF (four hundred thirty-eight),
in Premium without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service handles the cancellation of the existing contract for the Ryds 438 BF (four
hundred thirty-eight) free of charge;
you pay from the end date and keep the switching discount for good.
Other models by this make
Ryds 438 BF insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
