Terhi 445 insurance: calculate your premium
Model page, insured as a motorboat
Year, place of purchase and previous owners do not decide whether we insure the Terhi 445: we write it as a motorboat. Five minutes online cover everything from liability and hull to legal expenses and personal accident.
At a glance
- Make
- Terhi
- Type of boat
- motorboat
- Length overall
- 4.45 m
- Built
- 2011 to 2019
Length from our boat catalogue for the 2011–2019 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€328 a year
or €27 a month if paid monthly
Liability and hull · boat value €8,000 (market value) · built 2017 · 110 hp assumed · inland waters
Finance, example
€73 a month
Purchase price €8,000 (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.
Terhi 445: cover, cost and conditions
How much does the name Terhi 445 matter to the premium? Hardly at all. What counts is the type of boat, the year, the value, the engine output and the cruising area, the five fields of the online calculator.
What should you budget for the Terhi 445? It starts from €49 a year. For a Terhi 445 at the usual market value of €8,000 the premium is €328 a year: liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €250, paid annually. Hull cover accounts for €219, liability for €109. Tariff as of 02.11.2026, your own boat may differ. Hull cover follows the value of the boat. Partial: fire, storm, lightning, theft of the whole boat, winter storage. Full, on top: collision, grounding, vandalism, theft of parts. A total loss means the agreed value, in the Premium tariff without new-for-old deductions.
The Terhi 445 may be second hand, imported or ordered new, and the berth may be at home or abroad: we write it in each of these cases. The international certificate of insurance comes by itself in ten languages, and cover taken out before the handover already includes transport and the first launch.
Not to be mixed up with its sisters: this is the Terhi 445, number four hundred forty-five.
What is a used Terhi 445 worth?
A used Terhi 445 built between 2014 and 2019 in average condition is typically worth between
€6,300 and €10,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2019 | €7,900 to €10,100 | €9,000 |
| 2018 | €7,400 to €9,400 | €8,400 |
| 2017 | €7,100 to €9,100 | €8,100 |
| 2016 | €6,400 to €8,200 | €7,300 |
| 2015 | €6,300 to €8,100 | €7,200 |
| 2014 | €6,300 to €8,000 | €7,100 |
With agreed-value cover, the agreed sum counts after a total loss of your Terhi 445;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 5% off the value of a Terhi 445.
Market today
For sale in November 2026
6
Typical asking price, 2017 boat
€7,800
Our value, 2017 boat
€8,100
Asking prices against our value
−4%
In November 2026 we found 6 boats of the Terhi 445 for sale.
Typical asking price for a 2017 Terhi 445: €7,800.
Our value for a Terhi 445 of that year: €8,100.
The Terhi 445 is offered about 4% below our value.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 6 boats of the Terhi 445 we found for sale most recently.
2018
4.45 m, Germany
2017
4.57 m, Norway
2017
4.27 m, Sweden
2015
4.27 m, Sweden
2015
4.45 m, France
2014
4.57 m, Norway
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 Terhi 445?
Yes, the Terhi 445 is insurable with us.
What decides is not make and model but five figures: type of boat, year, value,
engine output and cruising area.
What does cover for a Terhi 445 cost?
It starts from €49 a year.
For a Terhi 445 at the usual market value of €8,000 the premium is €328 a year:
liability and hull in Basis-Plus, inland waters, 110 hp (assumed), hull excess €250, paid annually.
Hull cover accounts for €219, liability for €109.
Tariff as of 02.11.2026, your own boat may differ.
What your Terhi 445 costs exactly you can work out online in a few minutes,
and you need no contact details to do it.
My model is spelled slightly differently, does this page still apply?
Yes.
The Terhi 445 appears in papers and brochures under slightly different names.
Premium and cover go by the technical data, and you enter the name as it stands in your papers.
On a total loss, do I get the replacement value?
Yes, provided you have full cover: we pay the agreed value for the Terhi 445,
in Premium without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service handles the cancellation of the existing contract for the Terhi 445 free of
charge; you pay from the end date and keep the switching discount for good.
Other models by this make
Terhi 445 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
