Insuring Topper und Topaz: cover and premium
dinghies and small craft · the United Kingdom
Topper und Topaz builds dinghies and small craft in the United Kingdom. NAMMERT insures a Topper 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
the United Kingdom
Class
dinghies and small craft
Typical sizes
3,4 to 4,3 m
Premium from
from €39 a year for liability
Worth knowing
Topper und Topaz; cover, cost and conditions
Topper builds plastic dinghies in England for training and youth sailing. The Topper itself is a rotationally moulded single-handed dinghy that has been sailing in sailing schools and clubs since the seventies, and the Topaz range covers youth and family boats. Rotationally moulded plastic is the difference that matters for insurance: these hulls are practically indestructible in normal use, but hard to repair if something does break.
A crack in a rotationally moulded hull cannot be laminated like GRP, it is welded, and that does not always hold permanently. In practice, major hull damage on these boats leads to an economic total loss more often than on a GRP boat of the same value. Set the sum insured according to the real replacement value; on a used Topper that is a low four-figure amount.
School and club operation is the issue here too. Topper fleets stand in sailing schools and are sailed by beginners, which is commercial or club use and has to be declared. For private owners the third-party liability is the more important part: even a small dinghy can cause personal injury in a busy area, and the amount does not depend on the value of the boat.
Questions and answers
Frequent questions
Can a plastic hull be repaired?
For Topper: Only by welding, and not always permanently.
Major hull damage on these boats leads to an economic total loss more often than with GRP.
What do I need for a school fleet?
For Topper: Registration as school or club use, with the number of boats.
Beginners as users are a different risk from use by the owner.
The cover that fits
sailing dinghy insurance
Tariffs, cover and FAQ for sailing dinghy insurance in detail.
Third-party liability
The foundation for a boat from Topper: damage to third parties, worldwide,
from €39 a year for liability.
Hull cover
Partial or full hull cover for a Topper, at replacement value with an agreed fixed value.
For the whole class of boat
For Topper: 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, Topper 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
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 Topper.
Current wind force and direction for your waters are shown on the Home.
Series by Topper, with value and cover
Topper (Einhand) is a sailing dinghy from Topper (the United Kingdom), built since 1977,
and today changes hands at between €1,000 and €6,000.
Topper / Topaz is a sailing dinghy from Topper (the United Kingdom), built since 1980,
and today changes hands at between €1,000 and €8,000.
Topaz Uno / Race / Taz is a sailing dinghy from Topper (the United Kingdom), built since 2000,
and today changes hands at between €2,000 and €9,000.
As the Topper (Einhand), Topper / Topaz and Topaz Uno / Race / Taz by Topper 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.
For the Topper (Einhand), Topper / Topaz, Topaz Uno / Race / Taz by Topper series:
Dinghies are mostly trailed and stored ashore,
and that is where most damage happens: rigging, strapping down and winter storage.
The Topper range in figures
These figures come from the model records we keep for Topper: boat type, build years and length,
nothing estimated.
- sailing boat
- 34 models, since 1985, mostly 3.1 to 5 m
- cabin catamaran
- 8 models, since 2005, 3.7 to 4.7 m
- open catamaran
- 1 model, 2003 to 2012, 4.8 m
- sailing yacht
- 1 model, 1994 to 2001, 7.5 m
Which model was built when?
What does a used Topper cost?
We hold today’s price ranges by year for 26 models by Topper.
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 |
|---|---|---|
| Boss | 1998 | €3,500 to €4,400 |
| Buzz | 1998 to 1999 | €2,600 to €3,500 |
| Byte | 1998 to 2010 | €2,100 to €4,200 |
| Cruz | 1998 | €3,000 to €3,800 |
| Cruz Classic | 1998 | €2,900 to €3,700 |
| Europti | 2015 to 2017 | €2,200 to €3,100 |
| Topaz 12 C | 2014 to 2024 | €3,500 to €10,400 |
| Topaz 14 C | 2008 to 2024 | €2,500 to €11,800 |
| Topaz 14 CX | 2017 to 2024 | €3,600 to €11,800 |
| Topaz 14 Extreme | 2017 to 2024 | €3,600 to €11,700 |
| Topaz 14 S | 2008 to 2015 | €2,400 to €4,100 |
| Topaz 16 C | 2008 to 2024 | €3,500 to €10,300 |
| Topaz 16 CX | 2017 to 2024 | €5,000 to €10,300 |
| Topaz 16 S | 2008 to 2017 | €3,600 to €6,600 |
| Topaz Argo | 2014 to 2024 | €5,100 to €13,400 |
| Topaz Magno | 2003 to 2024 | €3,600 to €10,500 |
| Topaz Omega | 2004 to 2024 | €4,900 to €15,900 |
| Topaz Race | 2008 to 2024 | €1,900 to €9,900 |
| Topaz Race X | 2005 to 2024 | €3,400 to €9,900 |
| Topaz Taz | 2006 to 2024 | €1,800 to €6,700 |
| Topaz Tres X | 2002 to 2024 | €3,400 to €9,800 |
| Topaz Uno Plus | 2003 to 2018 | €3,400 to €5,500 |
| Topaz Uno Race Plus | 2003 to 2018 | €3,500 to €6,000 |
| Topaz Vibe | 2006 to 2022 | €3,600 to €8,000 |
| Topaz Xenon | 2005 to 2024 | €4,500 to €14,700 |
| Topper | 1998 to 2024 | €2,500 to €9,000 |
Estimate from our boat records, October 2026.
Not a survey.
Topper insured in five minutes.
Boat type, year built, length and value of your Topper are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
