Insuring XO Boats: cover and premium

motorboats and sports boats · Finland

XO Boats (EXPLR 10 Sport) builds motorboats and sports boats in Finland. NAMMERT insures a XO Boats 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.

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At a glance

Origin

Finland

Class

motorboats and sports boats

Typical sizes

5 to 9 m

Premium from

from €49 a year for liability

Worth knowing

XO 240

XO 270

XO DFNDR

XO Boats; cover, cost and conditions

XO builds aluminium boats with an enclosed cabin between 7 and 10 metres in Finland, designed uncompromisingly for rough seas and year-round operation, with an armoured hull and seats on shock absorbers. They are work boats in leisure clothing. Two things matter for insurance: the high engine power, which determines the third-party liability premium via the kW scale, and the exceptionally high replacement sum of these boats.

Aluminium cabin boats of this class are frequently run commercially or in shared use, charter, guiding, water taxi. Commercial use is not automatically included: charter and skippered charter carry surcharges of their own, and without the type of use being stated there is no cover in the event of a loss during commercial operation. State the use in the calculator, where it appears as a field of its own.

Questions and answers

Frequent questions

Is commercial use included in the cover?

For XO Boats: Only if it is stated.

Charter and skippered charter can be insured against a surcharge;

without a statement there is no cover in the event of a loss during commercial operation.

The cover that fits

For XO Boats: What matters for motorboats and sports boats 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, XO Boats included.

Insuring motorboats and sports boats, every brand and every condition

Other builders in this class

Sting Stingray Sunbird Sunsation Powerboats Suvi Südplast Team Boats Thunderbird Tracker Tullio Abbate Uttern Valory Warrior Warsztat Szkutniczy "Banta Waterland Weese Wellcraft Whaly Wiener Wiking Windy Yamaha Yamarin Zeepter

Directory of all makes from A to Z

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 XO Boats.

Current wind force and direction for your waters are shown on the Home.

Series by XO Boats, with value and cover

XO 270 RS / Cabin

XO 270 RS / Cabin is a motorboat from XO Boats (Finland), built since 2014,

and today changes hands at between €120,000 and €220,000.

XO 360 / 370

XO 360 / 370 is a motor yacht from XO Boats (Finland), built since 2018,

and today changes hands at between €290,000 and €480,000.

XO 250 Front Cabin

XO 250 Front Cabin is a motorboat from XO Boats (Finland), built from 2012 to 2024,

and today changes hands at between €90,000 and €160,000.

XO EXPLR 10

XO EXPLR 10 is a motor yacht from XO Boats (Finland), built since 2022,

and today changes hands at between €340,000 and €560,000.

XO 240

XO 240 is a motorboat from XO Boats (Finland), built since 2012,

and today changes hands at between €70,000 and €190,000.

XO DFNDR 8

XO DFNDR 8 is a motor yacht from XO Boats (Finland), built since 2019,

and today changes hands at between €140,000 and €320,000.

XO 240 / 270 RS Cabin

Also a motorboat, built since 2015, €125,000 to €265,000.

XO DFNDR 8 / 9

XO DFNDR 8 / 9 is a motorboat from XO Boats (Finland), built since 2020,

and today changes hands at between €295,000 and €520,000.

What this means for the cover

As the XO 270 RS / Cabin, XO 360 / 370,

XO EXPLR 10 by XO Boats and 4 more series are still in production,

parts are available and repair costs are predictable.

Even so, value it at replacement cost including retrofitted electronics, not at list price.

For the XO 250 Front Cabin by XO Boats series the market value and the replacement cost often

differ widely.

An agreed value removes the age-based scale, and the figure in the policy stands.

For the XO 270 RS / Cabin, XO 250 Front Cabin, XO 240 by XO Boats and further series:

On a motorboat the drive is the single most valuable part.

Damage after grounding is covered, an engine failure from wear is not.

For the XO 360 / 370, XO EXPLR 10, XO DFNDR 8 by XO Boats series:

On motor yachts the drive and the electronics together make up about half the value.

Both belong in the valuation, otherwise the sum insured is too low.

All series at a glance

The XO Boats range in figures

These figures come from the model records we keep for XO Boats: boat type, build years and length,

nothing estimated.

motorboat: 25 models, since 2007, mostly 7.5 to 9.4 m
motor yacht: 5 models, 2010 to 2022, 8.6 to 11.3 m

Which model was built when?

Sailing boat Motorboat RIBEach bar is one XO Boats (EXPLR 10 Sport) model, running from its first to its last year of build. The colour shows the type of boat. Showing 24 of 30 models.

What does a used XO Boats cost?

We hold today’s price ranges by year for 24 models by XO Boats.

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
EXPLR 10 Sport	2021	€115,500 to €147,000
Xo 220 S	2014	€27,900 to €35,500
XO 240	2012 to 2014	€39,200 to €54,900
XO 240 Cabin	2016 to 2019	€47,100 to €80,100
XO 240 Open	2016 to 2017	€40,700 to €57,000
XO 240 RS I/O	2010 to 2014	€41,500 to €68,500
XO 250 DFNDR	2017 to 2022	€70,800 to €131,700
XO 250 Open	2015 to 2017	€45,600 to €64,700
XO 260 Cabin	2019 to 2022	€85,300 to €160,400
XO 260 Cabin T-Top	2019	€84,800 to €107,900
XO 260 DFNDR	2019	€84,800 to €107,900
XO 260 DSCVR- Open	2021 to 2022	€91,500 to €124,800
XO 270 Cabin IB	2016 to 2022	€92,000 to €164,300
XO 270 Cabin OB	2016 to 2021	€61,100 to €111,400
XO 270 Front Cabin IB	2016 to 2022	€99,400 to €175,400
XO 270 Front Cabin OB	2013 to 2021	€52,500 to €111,400
XO 360 Cabin	2016 to 2019	€175,800 to €334,600
XO Cruiser	2017 to 2019	€104,900 to €160,900
XO DFNDR 9	2022	€104,600 to €133,100
XO DFNDR A8	2023 to 2024	€112,600 to €149,300
XO DSCVR	2020 to 2024	€89,600 to €168,200
XO DSCVR T-Top	2021 to 2024	€115,000 to €181,800
XO EXPLR 10 Sport +	2022 to 2024	€172,200 to €236,300
XO EXPLR 9	2022 to 2024	€126,300 to €182,000