Insuring Sargo Boats: cover and premium
motor yachts · Finland
Sargo Boats builds motor yachts in Finland. NAMMERT insures a Sargo 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
Finland
Class
motor yachts
Typical sizes
9 to 18 m
Premium from
from €49 a year for liability
Worth knowing
Sargo Boats; cover, cost and conditions
In Finland, Sargo builds cabin boats between 8 and 11 metres, enclosed pilothouse boats with inboard diesel engines, designed for year-round use in the northern Baltic. They are boats for people who go out in February as well. That is exactly what shapes the loss profile: frost, on-board heating, ice at the berth.
We cover frost damage where the boat has been properly prepared for winter. With year-round use that means frost protection during ongoing operation rather than laying up: coolant circuit with antifreeze, fresh water tank emptied, bilge dry. Ice at the berth is the second point. Ice pressure on the hull is a real loss and is covered under the full hull cover if the boat was lying at a berth customary for yachts. An unattended winter berth with no ice-clearing arrangement does not count as one.
Questions and answers
Frequent questions
Is ice pressure at the winter berth covered?
For Sargo: Under the full hull cover yes, at a berth customary for yachts.
Where ice formation is to be expected, an ice-clearing arrangement is part of it,
otherwise the loss is down to that omission.
The cover that fits
motor yacht insurance
Tariffs, cover and FAQ for motor yacht insurance in detail.
Third-party liability
The foundation for a boat from Sargo: damage to third parties, worldwide,
from €49 a year for liability.
Hull cover
Partial or full hull cover for a Sargo, at replacement value with an agreed fixed value.
For the whole class of boat
For Sargo: What matters for motor yachts 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, Sargo included.
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 Sargo.
Current wind force and direction for your waters are shown on the Home.
Series by Sargo, with value and cover
Sargo 33 / 33 Explorer is a motor yacht from Sargo (Finland), built since 2014,
and today changes hands at between €320,000 and €560,000.
Sargo 45 is a motor yacht from Sargo (Finland), built since 2018,
and today changes hands at between €620,000 and €980,000.
Also a motor yacht, built since 2010, €190,000 to €340,000.
Also a motor yacht, built since 2010, €110,000 to €290,000.
Also a motor yacht, built since 2012, €220,000 to €620,000.
Sargo 25 / 28 / 31 is a motorboat from Sargo (Finland), built since 2010,
and today changes hands at between €245,000 and €520,000.
Also a motor yacht, built since 2015, €720,000 to €1,400,000.
As the Sargo 33 / 33 Explorer, Sargo 45,
Sargo 28 / 29 by Sargo and 4 more series are still in production,
parts are available and repair costs are predictable.
Even so, value it at replacement cost including retrofitted electronics, not at list price.
For the Sargo 33 / 33 Explorer, Sargo 45, Sargo 28 / 29 by Sargo and further series:
On motor yachts the drive and the electronics together make up about half the value.
Both belong in the valuation, otherwise the sum insured is too low.
For the Sargo 25 / 28 / 31 by Sargo series:
On a motorboat the drive is the single most valuable part.
Damage after grounding is covered, an engine failure from wear is not.
Sargo insured in five minutes.
Boat type, year built, length and value of your Sargo are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
