Comparison sheet
Comparison grid to print: comparing boat insurance
Two A4 pages in landscape, three quotes side by side. Page 1 takes the three providers with tariff and annual premium and the first ten points, page 2 the remaining six. The last column says what applies with us, so that you can see what to look for at the other end.
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Only the sheet itself is printed, without the navigation and the footer, in landscape. The NAMMERT entries follow our own policy wording as at 01.02.2026; the wording of your own contract governs.
Comparing boat insurance, your grid
Three quotes side by side, sixteen points where tariffs really differ
NAMMERT
To fill in · Page 1 of 2
+49 3375 29 12 77 · nammert.com
01The quotes
Quote A, provider, tariff
Quote B, provider, tariff
Quote C, provider, tariff
Annual premium A (amount invoiced)
Annual premium B
Annual premium C
02The sixteen points
| Point | What to look for | Quote A | Quote B | Quote C | At NAMMERT |
|---|---|---|---|---|---|
| Liability cap | The sum per injured person too, not only the overall cap | €10m / €25m / €50m, no lower limit per person | |||
| Agreed value or market value | Market value means payment by age instead of by worth | Agreed value from Basis-Plus, in Premium with no age limit | |||
| Gross negligence | Is the defence waived, and up to what share? | to 25 % (Basis-Plus), to 50 % (Premium) | |||
| Salvage, wreck removal | On top of the settlement or taken out of it? | on top, if ordered by an authority: €1m / €2.5m | |||
| Theft of parts | Outboard insured separately? Immobiliser required? | from Basis-Plus incl. outboard, with a locking bolt or in a locked building | |||
| New for old deductions | Is the betterment deducted on partial losses? | no deductions from Basis-Plus | |||
| Cruising area, holidays | The limit of the area and cover for passages beyond it | up to worldwide with no time limit, Premium 6 weeks holiday | |||
| Hurricane clause | An exclusion or security conditions during the season? | no exclusion, no conditions | |||
| Winter storage, season | Storm damage happens ashore too | included from Basis with a full-year policy; a seasonal policy has no cover 1 Nov to 31 Mar | |||
| Osmosis, engine | Often excluded: check the wording | osmosis for boats up to 48 months (Premium), engine cover from Basis-Plus for engines up to ten years |
Comparing boat insurance, your grid, sheet 2
The sixteen points, continued: 11 to 16, then your result
NAMMERT
Page 2 of 2
| Point | What to look for | Quote A | Quote B | Quote C | At NAMMERT |
|---|---|---|---|---|---|
| Trailer, tender | A separate contract, a loading, and does it apply uncoupled? | liability from Basis-Plus at no extra premium if named with its value, uncoupled as well | |||
| Costs besides the premium | Add up the policy fee, the issuing charge, the instalment loading | no policy fee and no issuing charge | |||
| Deductible | Amount, exceptions and reduction after claim-free years | no deductible on total loss and theft (from Basis-Plus) | |||
| No-claims discount | What do you start with, and what happens after the first claim? | 40 % from the start (Basis-Plus and Premium), discount protection after 5 claim-free years | |||
| Claims settlement | Who decides after a claim: broker, Assekuradeur, insurer? | Assekuradeur: cover concept and claims handling in one hand | |||
| Notice period | The notice period of the old contract, so that no year runs twice | 3 months to expiry, we handle the cancellation |
How to use the grid
Write down what the policy wording says, not what the brochure says. If a figure is missing, ask in writing; if the answer stays vague, that is an answer in itself. At the end compare the amount invoiced, not the premium. No taste for paperwork? Upload your policy to the policy check at nammert.com, we set the points against each other automatically and come back to you with the result.
Place, date
My result / decision
NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, Germany · +49 3375 29 12 77 · info@nammert.com. The NAMMERT entries follow our own policy wording as at 01.02.2026; the wording of your own contract governs. We make no statement about the wordings of other providers, you fill in those columns yourself from their documents.
