Boat insurance / Fishing boat insurance
Fishing boat insurance: Tight lines. We mind the rest.
Tight lines at first light: you land the pike, we mind the rest. Your premium in about a minute, and on the phone a real person who fishes too.
- A named contact from the first hour
- Someone on the phone who fishes too
- Report a claim straight to us
We will sort it
Three steps, then it is just you and the bite
Tell us what is aboard
Engine power and boat value give the calculator its first figure. Mention the sounder, trolling motor and tackle too, so we see the whole picture.
Decide over a coffee
Like the figure? Go ahead online. Rather talk it through first? Get in touch and we walk you through it, no pressure.
Snagged? We will free you.
Report a claim straight to us. We line up surveyor and yard and stay on it until it is settled.
Plain numbers, no small print
What does your happy place cost a day?
Slide the boat value, choose your level of backup. The figure comes straight from our tariff, no fisherman's tales.
How much backup would you like?
€25m liability plus full hull cover
The price of a good feeling
€0.79a day
€288 a year, paid annually
Less than a scoop of ice cream on the pier.
Example for a boat worth €10,000, tariff as of 3 October 2026.
Arranged by NAMMERT as underwriting agency and insurance broker.
This is what it is for
For the hours before the world wakes up
Her first proper cast, coffee from the flask in the mist, the lake all to yourselves. We take care of the paperwork.
Good to know
Insured with everything on board
A fishing boat is worth less than everything that 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.
What does fishing boat insurance cost?
In short
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.
The trailer and the slipway
Plainly said
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.
What we need for a quote
Before you buy
Length, engine output, year of build, hull value and roughly what the electronics and tackle aboard are worth.
The three questions you actually have
Before you sign
Not “what does it cost” for your fishing 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 fishing 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 fishing 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 fishing 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
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.
Is fishing tackle covered?
Rods, reels and electronics fall under personal effects and are included up to the agreed sum while they are stowed on board. Gear left lying in an open boat at the pontoon is a different matter, and the duties for theft from an unlocked boat are set out in the policy wording.
Are the outboard and the fish finder included in hull cover?
Yes, permanently fitted equipment belongs to the boat, including the sounder, its transducer and a bow-mounted trolling motor. What matters is the declared value: what was not named in the agreed value does not appear after a loss either.
How high is the deductible for a fishing boat?
For hull cover on a fishing boat you agree 500 or 1,000 euros, nothing more; there are no hidden extra deductions and no scales 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 fishing boat?
With full cover, yes: grounding, collision and handling errors with a fishing 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 a fishing boat?
Storm, fire, lightning, sinking and theft of the whole fishing 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 a fishing 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 fishing boat and no argument after the loss. With partial cover the current market value is paid, meaning what the fishing boat was worth immediately before the loss.
Does the cover apply to a fishing boat abroad?
Yes, within the cruising area stated in the policy and on the way there on the trailer or roof rack. For a fishing 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 a fishing 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 fishing boat.
Questions from owners
Your question: Fishing boat insurance
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Is it about your own policy or a claim? Please call: +49 3375 29 12 77
One more cast
Rods out, worries ashore.
One minute for your premium, then the next sunrise is yours. And if something does snag, one call reaches someone who fishes too.
Or call us now: +49 3375 29 12 77