Westerly 28 Merlin insurance: calculate your premium
Model page, insured as a sailing yacht
We insure the Westerly 28 Merlin as a sailing yacht, regardless of the year it was built, where you bought it or how many owners it had. Liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
- Make
- Westerly
- Type of boat
- sailing yacht
- Length overall
- 8.75 m
- Built
- 1981 to 1992
Length from our boat catalogue for the 1981–1992 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€458 a year
or €41 a month if paid monthly
Liability and hull · boat value €17,000 (market value) · built 1986 · North Sea, Baltic and Mediterranean
Finance, example
€156 a month
Purchase price €17,000 (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.
Westerly 28 Merlin: cover, cost and conditions
Westerly 28 Merlin: for the premium the model name is not the deciding figure. What counts is the type of boat, its year, its value, its engine output and the waters you sail, the five entries you make in the online calculator.
For the Westerly 28 Merlin: On sailing yachts the rig and the underwater hull are the expensive parts. A dismasting quickly costs a quarter of the boat, and osmosis counts as wear and is covered by no hull policy. Have both surveyed before the purchase, not after a claim.
What does cover for a Westerly 28 Merlin cost? The premium starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Westerly 28 Merlin at the usual market value of €17,000 the premium is €458 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 35 m² of sail, hull excess €250, paid annually. Hull cover accounts for €369, liability for €89. Tariff as of 03.11.2026, your own boat may differ. Hull cover follows the value: partial cover answers for fire, storm, lightning, theft of the whole boat and damage in winter storage; full cover adds collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, and in the Premium tariff with no deduction for new-for-old.
Bought used, imported or ordered new: we write the Westerly 28 Merlin with a berth in Germany and abroad alike. The international certificate of insurance reaches you automatically in ten languages, and taking cover out before the handover pays off, because transport and the first launch are then already covered.
What is a used Westerly 28 Merlin worth?
A used Westerly 28 Merlin built between 1984 and 1989 in average condition is typically worth
between €13,600 and €21,900 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1989 | €17,200 to €21,900 | €19,600 |
| 1988 | €16,400 to €20,900 | €18,600 |
| 1987 | €15,300 to €19,500 | €17,400 |
| 1986 | €14,800 to €18,800 | €16,800 |
| 1985 | €13,900 to €17,700 | €15,800 |
| 1984 | €13,600 to €17,200 | €15,400 |
With agreed-value cover, the agreed sum counts after a total loss of your Westerly 28 Merlin;
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 Westerly 28 Merlin.
Market today
For sale in November 2026
3
Typical asking price, 1987 boat
€18,600
Our value, 1987 boat
€17,400
Asking prices against our value
+7%
In November 2026 we found 3 boats of the Westerly 28 Merlin for sale.
Typical asking price for a 1987 Westerly 28 Merlin: €18,600.
Our value for a Westerly 28 Merlin of that year: €17,400.
Asking prices for the Westerly 28 Merlin are about 7% 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 3 boats of the Westerly 28 Merlin we found for sale most recently.
1986
Germany
1985
8.23 m, United Kingdom
1985
8.23 m, United Kingdom
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 Westerly 28 Merlin?
Yes.
Neither the make nor the model decides whether the Westerly 28 Merlin is insurable.
What counts is the type of boat, its year, its value, its engine output and the waters you sail.
What does cover for a Westerly 28 Merlin cost?
Cover starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Westerly 28 Merlin at the usual market value of €17,000 the premium is €458 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, about 35 m² of sail,
hull excess €250, paid annually.
Hull cover accounts for €369, liability for €89.
Tariff as of 03.11.2026, your own boat may differ.
The exact premium takes a few minutes in the online calculator, with no contact details required.
My model is spelled slightly differently, does this page still apply?
Yes.
Spellings and suffixes of the Westerly 28 Merlin vary with the papers and the model year.
Enter the name as it appears in your documents; the technical figures decide premium and cover.
On a total loss, do I get the replacement value?
Under full cover, yes: the Westerly 28 Merlin is settled at the agreed value,
and in the Premium tariff without limit and with no deduction for new-for-old.
Can I switch from my existing insurer?
Yes.
Our switching service cancels the old contract for your Westerly 28 Merlin free of charge,
you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Westerly 28 Merlin insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
