Windy 40 Bora insurance: calculate your premium
Model page, insured as a motor yacht
We insure the Windy 40 Bora as a motor 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
- Windy
- Type of boat
- motor yacht
- Length overall
- 12.25 m
- Built
- 1995 to 2010
Length from our boat catalogue for the 1995–2010 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€1,607 a year
or €146 a month if paid monthly
Liability and hull · boat value €110,000 (market value) · built 1999 · 225 hp assumed · North Sea, Baltic and Mediterranean
Finance, example
€1,008 a month
Purchase price €110,000 (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.
Windy 40 Bora: cover, cost and conditions
Windy 40 Bora: 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 Windy 40 Bora: On a motor yacht the drive and the electronics together make up about half the value. Both belong in the sum insured. The most expensive claim is grounding with consequential damage to shaft and gearbox, and that is full cover only.
What does cover for a Windy 40 Bora cost? The premium starts from €49 a year. For a Windy 40 Bora at the usual market value of €110,000 the premium is €1,607 a year: liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed), hull excess €1,000, paid annually. Hull cover accounts for €1,458, liability for €149. Tariff as of 02.11.2026, 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 Windy 40 Bora 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 Windy 40 Bora worth?
A used Windy 40 Bora built between 1998 and 2007 in average condition is typically worth between
€77,900 and €144,200 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2007 | €113,300 to €144,200 | €128,700 |
| 2006 | €111,000 to €141,300 | €126,100 |
| 2005 | €107,600 to €137,000 | €122,300 |
| 2004 | €106,900 to €136,000 | €121,400 |
| 2003 | €103,700 to €132,000 | €117,900 |
| 2002 | €83,000 to €105,600 | €94,300 |
| 2001 | €79,000 to €100,600 | €89,800 |
| 2000 | €77,900 to €99,200 | €88,500 |
| 1999 | €90,500 to €115,100 | €102,800 |
| 1998 | €88,200 to €112,200 | €100,200 |
With agreed-value cover, the agreed sum counts after a total loss of your Windy 40 Bora;
with actual-value cover, the value at the time.
Does your sum still fit?
Each extra year of age takes about 3% off the value of a Windy 40 Bora.
Market today
For sale in November 2026
6
Typical asking price, 2003 boat
€145,000
Our value, 2003 boat
€117,900
Asking prices against our value
+23%
In November 2026 we found 6 boats of the Windy 40 Bora for sale.
Typical asking price for a 2003 Windy 40 Bora: €145,000.
Our value for a Windy 40 Bora of that year: €117,900.
Asking prices for the Windy 40 Bora are about 23% 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 6 boats of the Windy 40 Bora we found for sale most recently.
2005
12.19 m, Sweden
2004
12.25 m, Croatia
2004
12.25 m, Portugal
2002
12.26 m, Switzerland
2001
12.25 m, Germany
2000
12.26 m, Spain
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 Windy 40 Bora?
Yes.
Neither the make nor the model decides whether the Windy 40 Bora 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 Windy 40 Bora cost?
Cover starts from €49 a year.
For a Windy 40 Bora at the usual market value of €110,000 the premium is €1,607 a year:
liability and hull in Basis-Plus, North Sea, Baltic and Mediterranean, 225 hp (assumed),
hull excess €1,000, paid annually.
Hull cover accounts for €1,458, liability for €149.
Tariff as of 02.11.2026, 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 Windy 40 Bora 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 Windy 40 Bora 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 Windy 40 Bora free of charge,
you pay only once it has run out,
and you keep a permanent switching discount.
Other models by this make
Windy 40 Bora insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
