Terhi Vario T45 insurance: calculate your premium
Model page, insured as a fishing boat
The Terhi Vario T45 is insurable with us as a fishing boat, whatever its year, wherever you bought it and however many owners came before you. Liability, hull, legal expenses and personal accident cover sit in one contract, set up 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 Vario T45: cover, cost and conditions
The Terhi Vario T45 is listed with us as a fishing boat and sails in our own portfolio, with six further Terhi models standing alongside it in the list. Dimensions and engines are not held for this model. For the contract, your details from the application are enough.
Limited hull cover covers fire, storm, lightning strike, theft of the whole boat and damage in winter storage. These are the cases that can affect a boat even when nobody is on board, for instance at the jetty or on the parking space. In winter storage too, cover applies with no time window.
Anyone who wants to go further adds full hull cover: collision, grounding, vandalism and theft of parts including the outboard, settled on the basis of the agreed value with no deduction for depreciation. In the Premium tariff this applies without any age limit.
What is a used Terhi Vario T45 worth?
A used Terhi Vario T45 built between 2003 and 2014 in average condition is typically worth between
€7,000 and €11,200 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2014 | €8,800 to €11,200 | €10,000 |
| 2013 | €8,500 to €10,800 | €9,700 |
| 2012 | €8,300 to €10,500 | €9,400 |
| 2011 | €8,200 to €10,400 | €9,300 |
| 2010 | €8,100 to €10,300 | €9,200 |
| 2009 | €7,900 to €10,000 | €8,900 |
| 2008 | €7,600 to €9,600 | €8,600 |
| 2007 | €7,400 to €9,400 | €8,400 |
| 2006 | €7,400 to €9,400 | €8,400 |
| 2005 | €7,100 to €9,100 | €8,100 |
| 2004 | €7,000 to €9,000 | €8,000 |
| 2003 | €7,000 to €9,000 | €8,000 |
Does the sum insured on your Terhi Vario T45 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 fishing boat?
For the Terhi Vario T45: It covers fire, storm, lightning strike,
theft of the whole boat and winter storage damage.
Anyone who also wants collision, grounding and theft of parts covered chooses full hull cover.
Is the fishing equipment part of the contract?
For the Terhi Vario T45: Equipment belongs in the schedule attached to the contract and feeds into
the agreed value.
Whatever is named there can be documented in the event of a claim.
Other models by this make
Terhi Vario T45 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
