Winga 78 insurance: calculate your premium
Model page, insured as a sailing yacht
The Winga 78 is insurable with us as a sailing yacht, 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
- Winga
- Type of boat
- sailing yacht
- Length overall
- 7.85 m
- Built
- 1976 to 1987
Length from our boat catalogue for the 1976–1987 build years. Beam and engine are in your papers; what they record is what counts.
Premium, example
€368 a year
or €33 a month if paid monthly
Liability and hull · boat value €12,000 (market value) · built 1982 · North Sea, Baltic and Mediterranean
Finance, example
€110 a month
Purchase price €12,000 (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.
Winga 78: cover, cost and conditions
For the Winga 78 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 Winga 78 starts from €39 a year for a sailing boat, from €49 for a motorboat. For a Winga 78 at the usual market value of €12,000 the premium is €368 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 €279, liability for €89. 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 Winga 78 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 Winga 78, number seventy-eight.
What is a used Winga 78 worth?
A used Winga 78 built between 1979 and 1984 in average condition is typically worth between €9,400
and €15,300 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 1984 | €12,100 to €15,300 | €13,700 |
| 1983 | €11,300 to €14,500 | €12,900 |
| 1982 | €10,700 to €13,600 | €12,100 |
| 1981 | €10,000 to €12,700 | €11,300 |
| 1980 | €9,900 to €12,600 | €11,200 |
| 1979 | €9,400 to €12,000 | €10,700 |
With agreed-value cover, the agreed sum counts after a total loss of your Winga 78;
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 Winga 78.
Market today
For sale in November 2026
4
Typical asking price, 1982 boat
€13,600
Our value, 1982 boat
€12,100
Asking prices against our value
+12%
In November 2026 we found 4 boats of the Winga 78 for sale.
Typical asking price for a 1982 Winga 78: €13,600.
Our value for a Winga 78 of that year: €12,100.
Asking prices for the Winga 78 are about 12% 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 4 boats of the Winga 78 we found for sale most recently.
1982
8.23 m, Sweden
1981
Germany
1979
7.92 m, Sweden
1979
7.85 m, United Kingdom
Take care with prices far below the market: fraud does occur.
Never pay in advance, see the boat in person and check papers and ownership.
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 Winga 78?
Yes.
Whether we insure the Winga 78 depends not on make or model but on type of boat, year, value,
engine output and cruising area.
What does cover for a Winga 78 cost?
For the Winga 78 the premium starts from €39 a year for a sailing boat, from €49 for a motorboat.
For a Winga 78 at the usual market value of €12,000 the premium is €368 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 €279, liability for €89.
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 Winga 78, 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 Winga 78 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 Winga 78 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
Winga 78 insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
