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Electric boat insurance: Silent running, loud laughs.
Silent running across the lake, loud laughs on board and no fuss about the paperwork. Your premium in about a minute and a real person on the line when you need one.
- Tell us the kWh, we do the sums
- A real person on the line
- Report a claim directly to us
We will sort it
Three steps, then back to the quiet life
Tell us about the boat
Length, motor output, battery capacity and year, the value including the pack, and where it is charged and stored. Then we quote.
Decide over a cuppa
Happy with the figure? Go ahead online. Rather talk it through? Ring us or drop a line to info@nammert.com.
Something up? One call.
Report a claim directly to us on +49 3375 29 12 77 and our own team takes it from there.
Plain numbers, no small print
What does your happy place cost a day?
Slide the boat value, battery included, then pick your level of backup. The figure comes straight from our tariff, not from a guess.
How much backup would you like?
€25m liability plus full hull cover
The price of a good feeling
€1.02a day
€370 a year, paid annually
Less than a scoop of ice cream on the pier.
Example for a boat worth €15,000, tariff as of 3 October 2026.
Arranged by NAMMERT as underwriting agency and insurance broker.
This is what it is for
For the quiet hours on the water
Plug in, tie up, put the kettle on. Then drift under the old bridge at dusk and wave to the cyclists. We take care of the rest.
Good to know
On an electric boat the battery is the policy
Half the value of an electric boat sits in cells and power electronics, and that is precisely the part a wording written for petrol engines never mentions. What follows is not a surcharge, it is a different sentence in the conditions.
Is the battery covered on an electric boat?
In short
Yes, batteries and charging equipment are covered in every tariff, including animal bite, short circuit and the clearing and disposal costs after a battery fire. Liability starts at 49 euros a year. Policies written for combustion engines fail exactly here.
Figures from the NAMMERT tariff, August 2026, annual premium including insurance tax.
Partial cover and full cover
Partial covers the boat at rest, full adds what happens under way. The electric parts sit in both.
Six points a petrol wording misses
None of them is exotic. All of them are ordinary on an electric boat.
Cells in every tariff
Not an optional extra and not limited to the entry tariff. The battery is insured with the boat from the first day.
Charging equipment ashore
The charger and the shore installation belong to the risk, because that is where most electrical damage starts.
Animal bite
Rodents in winter storage are the most common electrical claim of all, and many wordings quietly exclude them.
Disposal after a fire
A burnt battery has to be cooled, transported and disposed of as hazardous waste. That cost is inside the cover.
Short circuit and electronics
Consequential damage to controller and drive is covered, not only the component that failed.
Agreed value with the battery
The sum insured includes the battery, so a total loss does not settle on the value of an empty hull.
Where the value really sits
Plainly said
On a ten metre electric launch, the pack can be a third of the purchase price and it ages on its own schedule. Insure the boat and forget the pack, and the sum insured is wrong before the first season is over.
Tell us the capacity in kilowatt hours and the year the pack was fitted. If it was replaced later, that raises the agreed value rather than complicating the claim.
What we need for a quote
Before you buy
Length, motor output, battery capacity and year, value including the pack, and where the boat is charged and stored.
The three questions you actually have
Before you sign
Not “what does it cost” for your electric boat; 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 electric boat 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 electric boat 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 electric boat 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?
Frequently asked
Questions and answers
Is the battery covered on an electric boat?
Yes, batteries and charging equipment are covered in every tariff, including animal bite, short circuit and the clearing and disposal costs after a battery fire. Liability starts at 49 euros a year. Policies written for combustion engines fail exactly here.
Is the charging equipment covered?
The charger on board belongs to the boat and is included. The charging point on the pontoon belongs to the marina. If your cable causes damage to someone else's property, that is a liability matter, and a crushed cable is one of the more common causes.
Does the policy replace a battery that has lost capacity?
No. Capacity loss over the years is ageing and is not covered under any hull policy. What is covered are events: fire, short circuit, water ingress, theft. Then the battery counts at the value stated in the agreed value.
How high is the deductible for an electric boat?
For hull cover on an electric boat you agree 500 or 1,000 euros, nothing more; there are no hidden extra deductions and no scales by type of loss. Long-standing customers pay half. In Basis and Basis PLUS the deductible doubles for theft outside locked premises, in Premium it does not.
Are my own handling errors covered on an electric boat?
With full cover, yes: grounding, collision and handling errors with an electric boat are claims. Even in cases of gross negligence the insurer waives its defence, up to 25 percent of the sum insured in Basis PLUS and up to 50 percent in Premium. Only intent is always excluded, and partial cover does not carry your own errors.
Are storm, theft and vandalism covered on an electric boat?
Storm, fire, lightning, sinking and theft of the whole electric boat are covered already under partial cover, theft of parts including the outboard and vandalism additionally under full cover. This applies in winter storage and on the trailer as well, except under a seasonal policy. Salvage after an accident is covered: by official order 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 an electric boat on a total loss?
With full cover the agreed value, the amount you and the insurer fixed when the policy started, with no deduction for the age of the electric boat and no argument after the loss. With partial cover the current market value is paid, meaning what the electric boat was worth immediately before the loss.
Does the cover apply to an electric boat abroad?
Yes, within the cruising area stated in the policy and on the way there on the trailer or roof rack. For an electric boat that is usually Europe including the Mediterranean, worldwide on request. Premium covers six weeks a year outside the agreed area, Basis by prior agreement. Italy, Spain and Croatia require proof of liability cover on board.
Is insurance for an electric boat required by law?
Not in Germany, with one exception: on the Swiss part of Lake Constance liability cover is compulsory. Italy, Croatia from 15 kW, Denmark, Spain and other countries require it. Regardless of the law, most marinas, clubs and winter storage yards ask for proof before they let you a berth for the electric boat.
One last thing
Quiet water, quiet mind.
A minute for your premium, then back to gliding along the canal at dusk. If anything does crop up, one call and we are on it.
Or call us now: +49 3375 29 12 77