Catamaran insurance: Two hulls. Zero drama.
Two hulls, a trampoline in the sun and zero drama over the paperwork. Your premium in about a minute, and a real person on the phone who asks about the beam, not just the length.
- Rated on value, not on length
- Both engines on the form, not just one
- A real person on +49 3375 29 12 77
Paperwork, waiting, hold music
Two hulls, three steps, sorted
Value and beam, not just length
A cat costs far more new than a monohull of the same length. Tell us the replacement value, the beam and both engines.
Your figure in about a minute
Like it? Go ahead online. Rather talk it through? We ring you back and go over berth and charter plans together.
Claims go straight to us
If something happens, you report it to our own team, not a call centre. Call us on +49 3375 29 12 77.
Plain numbers, no small print
What does your happy place cost a day?
Slide your cat's value and pick your level of backup. The figure comes straight from our tariff, worked out on value rather than length.
How much backup would you like?
€25m liability plus full hull cover
The price of a good feeling
€4.42a day
€1,611 a year, paid annually
Less than a pint at the harbour pub.
Example for a boat worth €120,000, tariff as of 3 October 2026.
Arranged by NAMMERT as underwriting agency and insurance broker.
This is what it is for
Plenty of deck, plenty of life
Breakfast on the trampoline above the blue, cards in the cockpit in the sunshine. The paperwork for both hulls is our job.
Good to know
Two hulls, one wrong number
A catamaran costs far more new than a monohull of the same length. Insure it by length and it is underinsured from the first day, which nobody notices until the boat is a total loss or the yard sends an estimate for one hull.
How should a catamaran be insured?
In short
On value, not on length: the agreed value follows the replacement cost including equipment. Liability starts at around 39 euros a year, both drives belong in the machinery cover from Basis-Plus, and every hull tariff pays salvage ordered by the authority and craning after a covered loss, which matters when no standard travel lift takes the beam.
Figures from the NAMMERT tariff, August 2026, annual premium including insurance tax.
Where a catamaran differs
Everything a monohull policy covers applies here too. These are the points that only arise with two hulls.
Six points before you sign
Each of them has cost a catamaran owner real money.
Length is the wrong yardstick
A 45 foot cat can cost twice a 45 foot monohull. Any quote based on length alone will be short in a total loss.
Both drives in the cover
Machinery cover from Basis-Plus for material, design and handling faults applies to both installations up to ten years old, not to one nominated engine.
Beam decides the lift
If no standard travel lift takes the beam, a special or floating crane is needed. After a covered loss that cost is inside every hull tariff here.
Salvage on top
Paid in addition to the settlement when the authority orders it: up to the sum insured in Basis, 1 million euros in Basis-Plus, 2.5 million in Premium.
Charter can be included
Letting under a rental contract, agreed before the first booking. Chartering without that note increases the risk and puts the cover at stake.
Agreed value
From Basis-Plus, set in writing before anything happens and adjustable after a refit, in Premium without an age limit.
One hull damaged is not half a claim
Plainly said
Owners expect a repair on one hull to cost half of a monohull repair. It rarely does. The structure runs through the bridgedeck, the yard has to support both hulls to work on one, and the boat blocks a wide berth for the whole time.
That is why the agreed value and the salvage limit matter more here than on any other type. Both are figures you can read in the policy before you need them.
What we need for a quote
Before you buy
Length, beam, year of build, replacement value including equipment, berth and whether the boat is ever chartered.
The three questions you actually have
Before you sign
Not “what does it cost” for your catamaran; you can work that out yourself in a minute. These are the three nobody asks an insurer out loud. Here they are, with the answers we can back up.
“Will they actually pay?”
As your broker we handle the claim with you, your catamaran included: one report to us, then we arrange the surveyor and one of more than 2,000 partner yards and follow it through to payment. The yard invoices directly; you pay the deductible and nothing else.
What happens in the first 48 hours →“Who picks up the phone?”
A family firm since 1989, now in its second generation, with three of its own offices: Königs Wusterhausen near Berlin, Salzburg and Palma de Mallorca. No call centre, no franchise. You get a named contact for your catamaran from the first hour; and after office hours, a number somebody answers.
Out of hours: +49 3375 29 28 95 →“And if I choose wrong?”
Find the same cover for your catamaran cheaper elsewhere and we make up the difference. Our comparison sets seven providers against the same criteria; including the segments where somebody else comes out ahead of us, and the one where we are the most expensive in the field.
Price guarantee →When we are not the right fit →Which language is the policy wording in?
Questions and answers
Frequently asked
How should a catamaran be insured?
On value, not on length: the agreed value follows the replacement cost including equipment.
Liability starts at around 39 euros a year,
both drives belong in the machinery cover from Basis-Plus,
and every hull tariff pays salvage ordered by the authority and craning after a covered loss,
which matters when no standard travel lift takes the beam.
Why does the beam matter for the insurance?
It decides two expensive things.
Marinas charge a catamaran one and a half to two times the price of a comparable monohull,
and lifting one out needs a travel lift of matching span.
Where that is missing, people improvise, and lifting damage often happens while improvising.
How high is the deductible for a catamaran?
You choose between 500 and 1,000 euros on the hull cover for a catamaran;
the higher figure lowers the premium.
There are no extra deductions by type of loss.
In Basis PLUS and Premium the deductible does not apply to total loss and theft,
in Premium for theft only if the craft was kept locked away or on enclosed premises.
After five claim-free years it is halved there for the first claim;
in Basis the agreed amount always applies.
Are my own handling errors covered on a catamaran?
Yes, if the catamaran has full cover.
Then your own mistake at the helm, a grounding or a collision is paid,
and for gross negligence the insurer does not reduce the payment up to 25 percent of the sum
insured in Basis PLUS and up to 50 percent in Premium, unless theft,
alcohol or drugs caused the loss.
Only intent is excluded.
Partial cover only pays for what comes from outside.
Are storm, theft and vandalism covered on a catamaran?
Storm, fire, lightning and theft of the whole catamaran are paid already under partial cover,
sinking, theft of single parts down to the outboard and wilful damage under full cover from
Basis-Plus, in winter storage and on the trailer too; only a seasonal policy pauses in winter.
Salvage costs come on top when the authority orders the salvage: up to the sum insured in Basis,
up to 1 million euros in Basis-Plus and up to 2.5 million in Premium.
New value or current value: what is paid for a catamaran on a total loss?
It depends on the cover.
Premium means agreed value: the figure fixed at the start is paid, no deduction new for old,
the catamaran is not re-valued after the loss.
Basis-Plus pays the agreed value up to five years of age,
or later while the current value still reaches half the sum insured, once replacement is shown;
otherwise current value.
Basis, the partial cover, means current value, what the catamaran was worth just before the loss,
less a scaled age deduction after three years.
Does the cover apply to a catamaran in the Mediterranean and on the high seas?
Yes, if the waters belong to the cruising area of the catamaran stated in the policy.
You can choose inland waters, North Sea and Baltic, the Mediterranean or worldwide,
without surcharge for the wider level and without time limit.
Anyone in Premium who goes beyond it once is still covered for six weeks a year.
Is insurance for a catamaran required by law?
Under German law, no, apart from the Swiss part of Lake Constance.
Anyone taking a catamaran to Italy, Spain, Greece, Denmark,
Croatia (from 15 kW) or onto Swiss waters needs liability cover there by law.
And almost everywhere the harbour asks for proof before it allocates a berth.
Questions from owners
Your question: Catamaran insurance
Missing your question? We answer it here on the page.
Ask your question
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The answer comes by email and, if you agreed, appears here as well.
For the Owner's Letter, please confirm the link in our email.
Is it about your own policy or a claim? Please call: +49 3375 29 12 77
More sunshine, less fretting.
Cheaper elsewhere? We pay the difference.
Find the same cover for a lower premium somewhere else and we make up the difference, for the term of the policy, up to one year. Read the guarantee and its limits
Or call us now: +49 3375 29 12 77