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Sirena 48 insurance: calculate your premium
Model page, insured as a motor yacht
We insure the Sirena 48 as a motor yacht, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
- Make
- Sirena Yachts
- Type of boat
- motor yacht
- Length overall
- 13.79 m
- Built
- since 2022
Length from our boat catalogue for the 2022–2026 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€8,925 a year
or €817 a month if paid monthly
Liability and hull · boat value €1,164,000 (market value) · built 2026 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€10,664 a month
Purchase price €1,164,000 (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.
Sirena Yachts Sirena 48: cover, cost and conditions
Sirena 48: for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.
For the Sirena 48: On a motor yacht the drive and the electronics together make up about half the value. Both belong in the sum insured. The most expensive claim is grounding with consequential damage to shaft and gearbox, and that is full cover only.
What does cover for a Sirena 48 cost? The premium starts from €49 a year. For a Sirena 48 at the usual market value of €1,164,000 the premium is €8,925 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed), hull excess €5,000, paid annually. Hull cover accounts for €8,776, liability for €149. Tariff as of 12.11.2026, your own boat may differ. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.
Bought used, imported or ordered new: we write the Sirena 48 with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.
What is a used Sirena 48 worth?
A used Sirena 48 built between 2026 and 2026 in average condition is typically worth between
€1,076,300 and €1,250,900 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2026 | €1,076,300 to €1,250,900 | €1,163,600 |
With agreed-value cover, the agreed sum counts after a total loss of your Sirena 48;
with actual-value cover, the value at the time.
Does your sum still fit?
Boats for sale now and how we rate them
How we rate the 6 boats of the Sirena 48 we found for sale most recently.
2026
Denmark
2026
Denmark
2026
Denmark
2026
13.41 m, Denmark
2026
Denmark
2025
Greece
year newer than our values
€1,295,000
Listing on ancasta.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 Sirena 48?
Yes.
Neither the make nor the model decides whether the Sirena 48 is insurable.
What counts is the type of boat, its year, its value, its engine output and the waters you sail.
What does cover for a Sirena 48 cost?
Cover starts from €49 a year.
For a Sirena 48 at the usual market value of €1,164,000 the premium is €8,925 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed),
hull excess €5,000, paid annually.
Hull cover accounts for €8,776, liability for €149.
Tariff as of 12.11.2026, your own boat may differ.
The exact premium takes a few minutes in the online calculator, with no contact details required.
My model is spelled slightly differently, does this page still apply?
Yes.
Spellings and suffixes of the Sirena 48 vary with the papers and the model year.
Enter the name as it appears in your documents; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover, yes: the Sirena 48 is settled at the agreed value,
and in the Premium tariff without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service cancels the old contract for your Sirena 48 free of charge,
you pay only once it has run out,
and you keep a permanent switching discount.
Sirena 48 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
