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Insuring Home-built boats: cover and premium
sailing boats and sailing yachts
Selbstbau / Eigenbau builds sailing boats and sailing yachts. NAMMERT insures a Home-built boats 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
various
Class
sailing boats and sailing yachts
Typical sizes
6 to 10 m
Premium from
from €39 a year for liability
Worth knowing
Home-built boats; cover, cost and conditions
Home-built boats are insurable like any other craft; the method of construction does not decide insurability, but type, value, year of construction, power and cruising range do. What is different with a home build is the evidence: there is no yard invoice, no catalogue price and no depreciation table.
For the value of a home build, what counts is what has gone into it: material, engine, rig, equipment and the labour. We record an agreed value on the basis of a valuation report, and a surveyor needs documents. Keep invoices, photographs from the building period and construction drawings; with a properly documented home build the valuation is routine, with an undocumented one it becomes a negotiation. For the first contact with the water the rule is: register the boat before craning.
Questions and answers
Frequent questions
Can I insure a boat I have built myself?
Yes, for Home-built boats too: What matters is a valuation report as the basis for the agreed
value, so keep invoices, photographs from the building period and construction drawings,
they are the evidence.
The cover that fits
sailing boat insurance
Tariffs, cover and FAQ for sailing boat insurance in detail.
Third-party liability
The foundation for a boat from Home-built boats: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a Home-built boats, at replacement value with an agreed fixed value.
For the whole class of boat
For Home-built boats: What matters for sailing boats and sailing 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, Home-built boats included.
Insuring sailing boats and sailing yachts, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
Under sail no licence is needed; with an auxiliary engine from 15 hp one is.
Registration
Official number or boat certificate; a flag document for trips abroad.
Waters
Inland lakes, the Baltic and the North Sea; tide, current and shoals belong in the passage plan.
Equipment
Lifejackets, harness and jackstays, lifebuoy, distress signals, reefing system.
Cruising range
Certificate of insurance for foreign harbours; check that racing is covered.
Weather
Reef in time: first reef from Beaufort 5, second from 6, watch the gust forecast.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Home-built boats.
Current wind force and direction for your waters are shown on the Home.
Series by Home-built boats, with value and cover
Sperrholz-Eigenbau nach Plan is a motorboat from Home-built boats, built since 1950,
and today changes hands at between €2,000 and €25,000.
Stahl-Eigenbau nach Riss is a sailing yacht from Home-built boats, built since 1960,
and today changes hands at between €15,000 and €120,000.
Eigenbau nach Riss is a sailing boat from Home-built boats, built since 1950,
and today changes hands at between €5,000 and €180,000.
Kit boat is a motorboat from Home-built boats, built since 1980,
and today changes hands at between €8,000 and €120,000.
Selbstbau nach Rissplan oder Bausatz is a motorboat from Home-built boats, built since 1950,
and today changes hands at between €2,000 and €145,000.
As the Sperrholz-Eigenbau nach Plan, Stahl-Eigenbau nach Riss,
Eigenbau nach Riss by Home-built boats and 2 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 Sperrholz-Eigenbau nach Plan, Kit boat,
Selbstbau nach Rissplan oder Bausatz by Home-built boats series:
On a motorboat the drive is the single most valuable part.
Damage after grounding is covered, an engine failure from wear is not.
For the Stahl-Eigenbau nach Riss by Home-built boats series:
On sailing yachts the rig and the underwater hull are the expensive parts:
a dismasting quickly costs a quarter of the boat,
and osmosis counts as wear and is covered by no hull policy.
For the Eigenbau nach Riss by Home-built boats series:
On boats this size the condition of rig and fittings decides.
A dismasting is covered, worn terminals after years are not.
Home-built boats insured in five minutes.
Boat type, year built, length and value of your Home-built boats are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
