Insuring Terhi: cover and premium
dinghies and small craft · Finland
Terhi builds dinghies and small craft in Finland. NAMMERT insures a Terhi 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
dinghies and small craft
Typical sizes
3 to 5 m
Premium from
from €49 a year for liability
Worth knowing
Terhi; cover, cost and conditions
Terhi of Finland builds small boats from thermoplastic ABS instead of GRP, unsinkable thanks to foamed-in buoyancy, low in maintenance, widespread as a fishing and family boat on Scandinavian and German lakes.
With boats of this class the outboard is often worth more than the hull. It must be stated in the contract with its power and serial number, otherwise in the event of theft the hull insurance covers only the boat. Osmosis is not an issue with ABS, but repairs to thermoplastic are only possible with the appropriate process; state the type of construction when taking out the policy so that we can put you in touch with the right yard.
Questions and answers
Frequent questions
Do I have to fear osmosis with a Terhi?
No, not for Terhi either: with a thermoplastic hull there is no osmosis.
Repairs do, however, need a suitable process,
so state the type of construction when taking out the policy.
The cover that fits
fishing boat insurance
Tariffs, cover and FAQ for fishing boat insurance in detail.
Third-party liability
The foundation for a boat from Terhi: damage to third parties, worldwide,
from €49 a year for liability.
Hull cover
Partial or full hull cover for a Terhi, at replacement value with an agreed fixed value.
For the whole class of boat
For Terhi: What matters for dinghies and small craft 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, Terhi included.
Insuring dinghies and small craft, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
From 15 hp a powerboat licence; small electric drives are usually exempt.
Registration
Registration from 3 hp; carry the fishing permit and licence as well.
Waters
Club waters, lakes, lagoons and the coast, mind closed seasons and restricted areas.
Equipment
Lifejacket, paddles, anchor, sonar; make sure navigation lights work for night trips.
Cruising range
On lagoons and the coast check the forecast in the morning and plan the return against the wind.
Weather
Small boats from Beaufort 4 only with experience; break off early when summer cells build.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Terhi.
Current wind force and direction for your waters are shown on the Home.
Series by Terhi, with value and cover
Terhi 400 / 450 (classic) is a motorboat from Terhi (Finland), built from 1970 to 1998,
and today changes hands at between €1,000 and €7,000.
Terhi 385 is a motorboat from Terhi (Finland), built since 1995,
and today changes hands at between €2,000 and €7,000.
Also a motorboat, built since 2000, €4,000 to €14,000.
Terhi Nordic 6020 / 6020 C is a motorboat from Terhi (Finland), built since 2010,
and today changes hands at between €15,000 and €38,000.
Nordic / Sunny is a motorboat from Terhi (Finland), built since 2000,
and today changes hands at between €8,000 and €32,000.
Terhi 405 Fun / 4110 is a motorboat from Terhi (Finland), built since 1995,
and today changes hands at between €2,000 and €9,000.
Terhi Vario T45 / F 45 is a motorboat from Terhi (Finland), built since 1995,
and today changes hands at between €3,000 and €12,000.
Terhi 400 / 450 C und CC is a motorboat from Terhi (Finland), built since 2005,
and today changes hands at between €6,000 and €18,000.
Terhi 475 / 480 BR und Twin is a motorboat from Terhi (Finland), built since 2010,
and today changes hands at between €12,000 and €32,000.
For the Terhi 400 / 450 (classic) by Terhi series there is no list price left.
That is why we work with an agreed value: you state the figure, we agree it,
and in a total loss exactly that amount is paid, with no deduction for wear.
As the Terhi 385, Terhi 445 / 480,
Terhi Nordic 6020 / 6020 C by Terhi and 5 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 Terhi 400 / 450 (classic), Terhi 385, Terhi 445 / 480 by Terhi and further series:
On a motorboat the drive is the single most valuable part.
Damage after grounding is covered, an engine failure from wear is not.
The Terhi range in figures
These figures come from the model records we keep for Terhi: boat type, build years and length,
nothing estimated.
- motorboat
- 90 models, since 1970, mostly 3.2 to 6.5 m
- sailing boat
- 1 model, 2012 to 2018, 3 m
Which model was built when?
What does a used Terhi cost?
We hold today’s price ranges by year for 83 models by Terhi.
The table shows what boats in average condition are worth,
from the oldest to the youngest year on record.
Choose your exact model, year and condition in the calculator.
| Model | Years built | Range today |
|---|---|---|
| Sea Star 20 Open | 2013 to 2015 | €19,100 to €26,100 |
| Sea Star 24 Cabin | 2015 | €30,600 to €39,000 |
| Sea Star 26 Cabin | 2015 | €45,400 to €57,800 |
| Silver Cabin 650 | 2013 to 2015 | €27,800 to €38,800 |
| Silver Condor 730 | 2012 to 2015 | €36,500 to €53,700 |
| Silver Eagle 630 CC | 2012 to 2018 | €24,300 to €41,600 |
| Silver Eagle 640 BR | 2017 to 2019 | €34,500 to €50,100 |
| Silver Eagle 650 BR | 2013 to 2015 | €28,500 to €39,200 |
| Silver Eagle 650 WA | 2013 to 2016 | €29,000 to €42,000 |
| Silver Eagle BRX | 2018 to 2024 | €32,100 to €95,200 |
| Silver Fox 485 Avant | 2013 to 2017 | €11,900 to €21,600 |
| Silver Fox 485 BR | 2014 to 2017 | €15,000 to €21,600 |
| Silver Fox 485 DC | 2012 to 2019 | €11,500 to €20,200 |
| Silver Fox Avant 2018 | 2018 to 2019 | €14,500 to €19,500 |
| Silver Fox BR | 2018 to 2021 | €16,900 to €24,500 |
| Silver Hawk | 2019 to 2024 | €22,400 to €44,000 |
| Silver Hawk 540 BR | 2013 to 2018 | €18,100 to €30,600 |
| Silver Hawk 540 CC | 2013 to 2018 | €18,100 to €30,400 |
| Silver Raptor BRZ | 2019 to 2020 | €73,900 to €98,300 |
| Silver Shark 580 CC | 2013 to 2017 | €21,000 to €32,400 |
| Silver Shark BR | 2012 to 2019 | €21,900 to €39,300 |
| Silver Shark BRX | 2017 to 2024 | €23,500 to €84,800 |
| Silver Star 650 Cabin | 2013 to 2015 | €27,800 to €38,700 |
| Silver Tiger BRZ | 2019 to 2024 | €30,100 to €55,000 |
| Silver Tiger DCZ | 2019 to 2024 | €30,100 to €55,000 |
| Silver Wolf 510 Avant | 2013 to 2018 | €15,100 to €24,000 |
| Silver Wolf 510 BR | 2012 to 2019 | €14,800 to €25,100 |
| Silver Wolf 510 DC | 2012 to 2018 | €14,700 to €24,000 |
| Terhi 300 Sail | 2015 to 2017 | €3,800 to €5,100 |
| Terhi 310 Sunny | 1996 to 2014 | €1,300 to €2,900 |
| Terhi 385 | 1983 to 2024 | €2,400 to €12,800 |
| Terhi 400 | 2012 to 2024 | €4,800 to €15,600 |
| Terhi 400 C | 2015 to 2024 | €5,300 to €15,600 |
| Terhi 405 Fun | 1983 to 1996 | €2,800 to €4,400 |
| Terhi 410 | 1973 to 1993 | €2,600 to €3,700 |
| Terhi 410 S | 1998 | €3,700 to €4,700 |
| Terhi 4100 | 1997 to 2004 | €3,500 to €6,900 |
| Terhi 4110 | 1999 to 2015 | €4,100 to €7,900 |
| Terhi 415 Nova | 1990 to 2003 | €3,700 to €7,900 |
| Terhi 430 S | 1973 to 1975 | €3,500 to €4,500 |
| Terhi 440 | 1980 to 2024 | €2,800 to €17,100 |
| Terhi 445 | 2014 to 2019 | €6,900 to €11,100 |
| Terhi 445 C | 2014 to 2019 | €7,500 to €11,100 |
| Terhi 450 C | 2019 to 2024 | €10,600 to €22,800 |
| Terhi 450 CC | 2019 to 2024 | €10,600 to €22,900 |
| Terhi 450 Standard | 2018 to 2024 | €10,000 to €22,800 |
| Terhi 475 BR | 2015 to 2020 | €11,400 to €22,500 |
| Terhi 475 Open CC | 2009 to 2017 | €8,500 to €13,100 |
| Terhi 475 Open FC | 2009 to 2016 | €8,500 to €12,300 |
| Terhi 475 Twin C | 2008 to 2019 | €8,300 to €16,000 |
| Terhi 480 BR | 2023 to 2024 | €17,300 to €28,200 |
| Terhi 480 Sport | 2023 to 2024 | €17,300 to €28,200 |
| Terhi 480 TC | 2021 | €15,100 to €19,300 |
| Terhi 480 TC | 2023 to 2024 | €17,300 to €28,200 |
| Terhi 520 | 1973 to 1975 | €4,600 to €6,000 |
| Terhi Absia 404 | 1999 to 2001 | €4,100 to €5,800 |
| Terhi Absia 406 | 1996 to 2002 | €3,500 to €6,100 |
| Terhi Baby Fun | 1987 to 2018 | €300 to €2,000 |
| Terhi Big Fun | 1992 to 2014 | €6,200 to €12,000 |
| Terhi Big Fun C | 1998 to 2009 | €5,300 to €11,200 |
| Terhi Big Fun Nova | 1990 to 1997 | €5,200 to €7,700 |
| Terhi E 400 | 2019 to 2021 | €9,100 to €12,500 |
| Terhi Fun 405 | 1986 | €3,200 to €4,100 |
| Terhi Micro Fun | 1997 to 2008 | €1,500 to €4,000 |
| Terhi Micro Fun 105 | 1986 to 1991 | €1,200 to €1,900 |
| Terhi More Fun | 2007 to 2014 | €4,400 to €6,000 |
| Terhi More Fun C | 2007 to 2014 | €5,100 to €6,900 |
| Terhi Nordic 6020 | 1992 to 2024 | €4,700 to €20,800 |
| Terhi Nordic 6020 C | 1999 to 2024 | €5,300 to €21,100 |
| Terhi Saiman | 2000 to 2024 | €4,400 to €17,700 |
| Terhi Saiman Hunter | 2016 to 2024 | €6,500 to €17,700 |
| Terhi Saiman Solar | 2019 to 2024 | €7,300 to €17,700 |
| Terhi Saiman Sunwind | 2007 to 2017 | €5,200 to €8,300 |
| Terhi Sea Fun | 1987 to 2015 | €3,300 to €6,300 |
| Terhi Sea Fun C | 2003 to 2015 | €4,100 to €6,800 |
| Terhi Silver Eagle Cabin | 2003 to 2004 | €18,100 to €23,900 |
| Terhi Silver Shark DC | 2003 | €13,800 to €17,600 |
| Terhi Sunny | 2015 to 2024 | €2,500 to €7,200 |
| Terhi Tender | 2019 to 2024 | €1,700 to €5,400 |
| Terhi Tender Green | 2011 | €1,500 to €1,900 |
| Terhi Vario F45 | 2003 to 2014 | €7,000 to €11,200 |
| Terhi Vario T45 | 2003 to 2014 | €7,000 to €11,200 |
| Theri Baby green | 2016 to 2018 | €1,400 to €1,900 |
Estimate from our boat records, October 2026.
Not a survey.
Models by Terhi we insure
Each Terhi model has its own page with cover, cost and the points that matter for that boat.
Your model not listed?
We insure it all the same.
Terhi insured in five minutes.
Boat type, year built, length and value of your Terhi are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
