Home / Viko Yachts / Viko s 21
Viko s 21 insurance: calculate your premium
Model page, insured as a sailing boat
The Viko s 21 is insurable with us as a sailing 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
- Viko Yachts
- Type of boat
- sailing boat
- Length overall
- 6.50 m
- Built
- since 2012
Length from our boat catalogue for the 2012–2026 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€429 a year
or €39 a month if paid monthly
Liability and hull · boat value €26,000 (market value) · built 2020 · North Sea and Baltic
Finance, example
€238 a month
Purchase price €26,000 (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.
Viko Yachts Viko s 21: cover, cost and conditions
For the Viko s 21 we do not price by model name. The premium comes from five entries in the online calculator: type of boat, year, value, engine output and cruising area.
The premium for a Viko s 21 starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Viko s 21 at the usual market value of €26,000 the premium is €429 a year: liability and hull in Basis-Plus, North Sea and Baltic, about 18 m² of sail, hull excess €250, paid annually. Hull cover accounts for €370, liability for €59. Tariff as of 04.11.2026, your own boat may differ. How much hull cover adds depends on the value: partial cover pays for fire, storm, lightning, theft of the whole boat and winter storage damage, full cover also for collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, in Premium with no new-for-old deduction.
Whether bought used, brought in from abroad or ordered new, we write the Viko s 21 with a berth in Germany or abroad. The international certificate of insurance arrives automatically in ten languages. Take cover out before the handover and transport and the first launch are already insured.
Not to be mixed up with its sisters: this is the Viko Yachts Viko s 21, number twenty-one.
What is a used Viko s 21 worth?
A used Viko s 21 built between 2015 and 2024 in average condition is typically worth between
€18,000 and €42,100 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €32,800 to €41,700 | €37,200 |
| 2023 | €33,100 to €42,100 | €37,600 |
| 2022 | €30,600 to €39,000 | €34,800 |
| 2020 | €24,300 to €30,900 | €27,600 |
| 2018 | €21,200 to €27,000 | €24,100 |
| 2017 | €19,500 to €24,900 | €22,200 |
| 2016 | €18,700 to €23,800 | €21,200 |
| 2015 | €18,000 to €23,000 | €20,500 |
With agreed-value cover, the agreed sum counts after a total loss of your Viko s 21;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 6% off the value of a Viko s 21.
Market today
For sale in November 2026
5
Typical asking price, 2020 boat
€30,100
Our value, 2020 boat
€27,600
Asking prices against our value
+9%
In November 2026 we found 5 boats of the Viko s 21 for sale.
Typical asking price for a 2020 Viko s 21: €30,100.
Our value for a Viko s 21 of that year: €27,600.
Asking prices for the Viko s 21 are about 9% above 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 5 boats of the Viko s 21 we found for sale most recently.
2023
6.40 m, United Kingdom
2020
Germany
2016
Germany
2016
Germany
2016
Germany
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 Viko s 21?
Yes.
Whether we insure the Viko s 21 depends not on make or model but on type of boat, year, value,
engine output and cruising area.
What does cover for a Viko s 21 cost?
For the Viko s 21 the premium starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Viko s 21 at the usual market value of €26,000 the premium is €429 a year:
liability and hull in Basis-Plus, North Sea and Baltic, about 18 m² of sail, hull excess €250,
paid annually.
Hull cover accounts for €370, liability for €59.
Tariff as of 04.11.2026, your own boat may differ.
The online calculator shows the exact amount after a few entries,
without you leaving any contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
With the Viko s 21, spelling and suffixes often differ between model years and papers.
Use the name from your documents; premium and cover follow the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Viko s 21 is settled at the agreed value,
in the Premium tariff with no cap and no new-for-old deduction.
Can I switch from my existing insurer?
Yes.
The old contract for your Viko s 21 is cancelled by our switching service at no cost.
You pay only after it runs out, and the switching discount stays for good.
Other models by this make
Viko s 21 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
