Insuring Topcat: cover and premium
catamarans and multihulls · Germany
Topcat builds catamarans and multihulls in Germany. NAMMERT insures a Topcat 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
Germany
Class
catamarans and multihulls
Typical sizes
11 to 16 m
Premium from
from €39 a year for liability
Worth knowing
Topcat; cover, cost and conditions
Topcat builds beach catamarans in Germany that are at home on inland lakes and along the coast, built more robustly than pure racing machines and frequently used in sailing schools and clubs. This use in schools is the point that makes the policy different: if a boat is handed over to changing users commercially or in club operation, that is no longer private use. Register it; without registration cover is missing precisely when an inexperienced user causes the damage.
For the private owner, third-party liability is the core. A Topcat sails on lakes where swimmers, surfers and excursion boats are about, and a collision involving personal injury is the most expensive conceivable event. Our boat third-party liability covers this with ten to fifty million euros. Hull insurance is worthwhile above all because of storm damage while laid up and because of theft: beach catamarans stand unprotected, and sails, trapezes and fittings disappear faster than hulls.
As regards the cruising range, the EU inland level is sufficient for most Topcat owners. Anyone sailing to the North Sea or the Baltic needs the corresponding extension; it is inexpensive and can be included for a single season. The equipment requirement is important: life jackets for everyone on board belong on a beach catamaran too, and on inland lakes each area has its own regulations on sailing area and times.
Questions and answers
Frequent questions
Can I insure my Topcat for club operation?
Yes, for Topcat too: but only as registered commercial or club use.
Changing users are a different risk from use by the owner and are not included in the private
policy.
Is the EU inland area sufficient?
For Topcat: For inland lakes yes.
For the North Sea and the Baltic you need the extension;
it can also be included for a single season.
The cover that fits
catamaran insurance
Tariffs, cover and FAQ for catamaran insurance in detail.
Third-party liability
The foundation for a boat from Topcat: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a Topcat, at replacement value with an agreed fixed value.
For the whole class of boat
For Topcat: What matters for catamarans and multihulls 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, Topcat included.
Insuring catamarans and multihulls, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
A powerboat licence (inland or coastal) is required from 15 hp (11.03 kW).
Registration
Registration from 3 hp; for trips abroad carry the boat certificate or flag document.
Waters
Inland, coastal and abroad; plan fairways, bridge clearances, draught and tides.
Equipment
Lifesaving gear, fire extinguisher, anchor, signalling equipment and correct navigation lights.
Cruising range
The agreed cruising range is stated in the policy and can be extended at any time.
Weather
Check wind force in Beaufort and wind direction before casting off, and allow for gusts.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Topcat.
Current wind force and direction for your waters are shown on the Home.
Series by Topcat, with value and cover
Topcat K1 / K2 (classic) is an open catamaran from Topcat (Germany), built from 1985 to 1999,
and today changes hands at between €3,000 and €10,000.
Topcat K1: K4 is an open catamaran from Topcat (Germany), built since 1985,
and today changes hands at between €4,000 and €24,000.
Also an open catamaran, built since 1995, €3,000 to €15,000.
Topcat K3 / K4X is an open catamaran from Topcat (Germany), built since 2000,
and today changes hands at between €6,000 and €22,000.
Topcat K1 / K2 / K3 / K4 is a motorboat from Topcat (Germany), built since 1990,
and today changes hands at between €5,000 and €22,000.
For the Topcat K1 / K2 (classic) by Topcat 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 Topcat K1: K4, Topcat K1 / K2 and Topcat K3 / K4X by Topcat series are still in production,
parts are available and repairs are predictable.
Still, set the value at replacement cost, including sails, rigging or gear you bought later.
As the Topcat K1 / K2 / K3 / K4 by Topcat series is 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 Topcat K1 / K2 (classic), Topcat K1: K4, Topcat K1 / K2 by Topcat and further series:
Open catamarans are beached and trailed, so most damage happens ashore and in transit,
not on the water.
The Topcat range in figures
These figures come from the model records we keep for Topcat: boat type, build years and length,
nothing estimated.
- open catamaran
- 24 models, since 1979, mostly 4.5 to 5.5 m
- cabin catamaran
- 9 models, since 1983, 4.5 to 10.5 m
Which model was built when?
What does a used Topcat cost?
We hold today’s price ranges by year for 24 models by Topcat.
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 |
|---|---|---|
| Topcat 17 K2 Classic | 1999 to 2000 | €3,500 to €4,600 |
| Topcat 18 K1 Reacher | 1999 to 2000 | €4,300 to €5,600 |
| Topcat 18 K1 Streamcut | 1999 to 2000 | €4,300 to €5,600 |
| Topcat 18 S | 1994 to 1998 | €3,800 to €5,400 |
| Topcat 18 Spitfire | 1999 | €4,300 to €5,500 |
| Topcat 4.5 | 2005 to 2009 | €4,300 to €5,900 |
| Topcat Chico | 2006 to 2021 | €2,900 to €9,200 |
| Topcat Classic | 1999 to 2007 | €3,300 to €5,700 |
| Topcat F2 Classic | 1982 to 2006 | €1,900 to €5,900 |
| Topcat F2 Streamcut | 1994 to 2006 | €2,500 to €5,700 |
| Topcat Family | 1998 | €4,100 to €5,300 |
| Topcat K1 Classic | 2003 to 2024 | €5,800 to €20,900 |
| Topcat K1 Regatta | 2000 to 2024 | €4,400 to €21,400 |
| Topcat K1 Streamcut | 1996 to 2024 | €4,000 to €21,400 |
| Topcat K2 X Classic | 1995 to 2024 | €4,600 to €17,100 |
| Topcat K2 X Regatta | 2023 | €13,600 to €17,400 |
| Topcat K2 X Streamcut | 2001 to 2024 | €6,300 to €17,100 |
| Topcat K2 X Touring | 2024 | €13,400 to €17,000 |
| Topcat K3 Classic | 2000 to 2017 | €3,300 to €9,600 |
| Topcat K3 X Regatta | 2014 to 2022 | €6,600 to €13,600 |
| Topcat K3 X Streamcut | 2000 to 2022 | €3,300 to €13,600 |
| Topcat K4 X Classic | 2015 to 2024 | €6,300 to €13,100 |
| Topcat K4 X Streamcut | 2014 to 2024 | €5,900 to €13,700 |
| Topcat Streamcut | 1999 to 2006 | €3,200 to €5,700 |
Estimate from our boat records, October 2026.
Not a survey.
Models by Topcat we insure
Each Topcat 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.
Topcat insured in five minutes.
Boat type, year built, length and value of your Topcat are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
