Fishing boat insurance
Insured with everything on board
A fishing boat is worth less than what is bolted to it. Sounder, plotter, trolling motor and a set of rods can outrun the value of the hull, and they are exactly what a standard wording treats as somebody else problem.
In short
What does fishing boat insurance cost?
Liability starts at 49 euros a year, hull cover insures the boat at replacement value. The outboard is covered against theft under full cover, sounder, plotter and tackle can be insured as equipment, and from Basis-Plus the trailer sits in the liability section at no extra premium.
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 while fishing.
Six points before you sign
Each one has cost an angler more than the boat was worth.
Tackle is not household contents
Rods and reels are watersports equipment. Your home policy will decline them the moment they were aboard.
Outboard theft
Covered under full cover without an immobiliser condition, on the trailer as well as at the mooring.
Sounder and plotter
Installed electronics are insured with the boat. Handheld units belong in the equipment sum.
Trolling motor batteries
The battery bank is covered including fire, short circuit and the clean up costs afterwards.
Trailer from Basis-Plus
In the liability section at no extra premium, uncoupled and while launching too.
Replacement value
The hull is insured at what a comparable boat costs, not at what a fifteen year old aluminium hull fetches today.
Plainly said
The trailer and the slipway
Most fishing boat claims never happen on the water. They happen at a strange slipway, on an unfamiliar ramp, often single handed: a boat that rolls off, a winch strap that lets go, a car that slides on weed.
That is why launching damage is inside the cover here, at home and abroad, and why the trailer belongs in the policy even when the law does not require a certificate for it.
Before you buy
What we need for a quote
Length, engine output, year of build, hull value and roughly what the electronics and tackle aboard are worth.
Before you sign
The three questions you actually have
Not “what does it cost”; 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?”
We are an Assekuradeur; a managing general agent that underwrites and settles claims under its own authority. Our own claims department, appointed surveyors, more than 2,000 partner yards. Cover checked within 24 hours, release or a survey appointment within 48. We settle directly with the yard; 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 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 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 →