Terhi 405 FUN insurance: calculate your premium
Model page, insured as a fishing boat
We insure the Terhi 405 FUN as a fishing boat, 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
Type of boat
fishing boat
Premium from
from €39 a year for a sailing boat, from €49 for a motorboat
Terhi 405 FUN: cover, cost and conditions
The Terhi 405 FUN is listed with us as a fishing boat and is insured in our portfolio, and six further models of this brand are recorded. We have no closer details on dimensions or engine, these come from your papers.
For smaller boats, limited hull cover is often the suitable entry point. It covers fire, storm, lightning strike, theft of the entire boat and damage in winter storage. Storm damage in particular regularly hits light boats harder ashore than on the water.
Anyone who wants to go further chooses full hull cover with an agreed value, with no deduction for depreciation and in the Premium tariff without any age limit. The boat trailer is covered by the third-party liability at no extra premium from Basis-Plus, provided it is named in the application with its value, and cover applies during launching, during craning and on the transport route. You can add it to the hull cover for a premium.
What is a used Terhi 405 FUN worth?
A used Terhi 405 FUN built between 1983 and 1996 in average condition is typically worth between
€2,800 and €4,400 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1996 | €3,400 to €4,400 | €3,900 |
| 1995 | €3,400 to €4,300 | €3,800 |
| 1994 | €3,200 to €4,000 | €3,600 |
| 1993 | €3,000 to €3,800 | €3,400 |
| 1992 | €3,100 to €3,900 | €3,500 |
| 1991 | €3,000 to €3,800 | €3,400 |
| 1990 | €2,900 to €3,700 | €3,300 |
| 1989 | €2,900 to €3,700 | €3,300 |
| 1988 | €3,000 to €3,800 | €3,400 |
| 1987 | €2,900 to €3,700 | €3,300 |
| 1986 | €3,100 to €3,900 | €3,500 |
| 1985 | €2,800 to €3,600 | €3,200 |
| 1984 | €2,900 to €3,700 | €3,300 |
| 1983 | €2,800 to €3,600 | €3,200 |
Does the sum insured on your Terhi 405 FUN still match what it is worth today?
After a total loss, that number is what counts.
Estimate from our boat records, October 2026. Not a survey.
Frequently asked
Is limited hull cover enough for a small boat?
For the Terhi 405 FUN: It covers fire, storm, lightning strike,
theft of the entire boat and damage in winter storage.
Anyone who also wants collision and grounding covered needs full hull cover.
Is storm damage ashore insured as well?
For the Terhi 405 FUN: Storm belongs to limited hull cover,
and cover also applies in winter storage.
A boat that tips over ashore or is struck by parts is therefore included.
Other models by this make
Terhi 405 FUN insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
