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Motorboat insurance: Full throttle, zero worries.
Push the throttle, feel the spray and leave the worries to us. Zero fuss: a premium in about a minute and a real person on the phone. Full stop.
- Talked through in English
- Documents sent the same working day
- Claims handled by our own team
We will sort it
Three steps and the water is yours again
Tell us horsepower and value
Engine power drives the liability premium, the boat's value drives the hull premium. That is all the calculator needs.
Decide in your own time
Like the figure? Go ahead online. Prefer to talk? Ring us and we walk you through it in English.
We are there when it matters
Report a claim to us directly. We arrange 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, 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
€1.22a day
€444 a year, paid annually
Less than a scoop of ice cream on the pier.
Example for a boat worth €20,000, tariff as of 3 October 2026.
Arranged by NAMMERT as underwriting agency and insurance broker.
This is what it is for
Made for moments like these
Mooring up for a drink, a first go at the wheel, the ride home in the last light. We take care of the rest.
Good to know
The premium hangs on the engine
German motorboat tariffs are rated on engine power, not on what the boat is worth. So much hangs on that one figure that two boats of the same length can be priced far apart, and that a well kept older hull with a modest engine stays cheap to insure.
What does motorboat insurance cost?
In short
Liability starts at 49 euros a year and is rated on engine power, not on the value of the boat. Full cover includes theft of the outboard, water skiing is covered, the tender comes free up to 30 hp, 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 what happens to the boat with nobody at the helm. Full adds what happens while she is being driven.
What sets a motorboat apart
Six points where a motorboat policy differs from a sailing one.
Rated on horsepower
The premium follows engine output. Repower the boat and the premium moves, so tell us before the season, not after a claim.
Outboard theft
Covered under full cover with no approved immobiliser required. That clause is what keeps most outboard claims out elsewhere.
Towing water skiers
Water skiing, wakeboarding and towed toys are included in liability. Check any competing quote for a towing exclusion.
Tender at no extra premium
Free up to 30 hp and within ten nautical miles of the mother boat. Beyond that it needs a policy of its own.
Trailer from Basis-Plus
Carried in the liability section without extra premium, uncoupled and while manoeuvring as well.
Agreed value
The sum is set in writing before anything happens, so a total loss is not an argument about what a used hull was worth that morning.
Power is not the same as value
Plainly said
A 30 year old sports boat with a fresh 300 hp outboard costs more to insure than a modern displacement cruiser worth three times as much. That looks unfair until the claims files are read: power is what causes the collisions, and the value only decides what the repair costs.
If your boat is fast and your hull is modest, ask for the liability and full cover figures separately. The split tells you where the money actually goes.
You are not on your own
Already out on the water with NAMMERT
On a motosurf board, in a jet ski team, on a sailing boat out at sea: athletes are already racing with the NAMMERT logo.
From 2027 the ranking turns that into points, and the entry fee comes back.
Which engine figure counts?
Before you buy
Rated output at the crankshaft in kW, taken from the engine plate or the papers. If the boat carries two engines, both go in.
The three questions you actually have
Before you sign
Not “what does it cost” for your motorboat; 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 motorboat 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 motorboat 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 motorboat 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 motorboat insurance cost?
Liability starts at 49 euros a year and is rated on engine power, not on the value of the boat. Full cover includes theft of the outboard, water skiing is covered, the tender comes free up to 30 hp, and from Basis-Plus the trailer sits in the liability section at no extra premium.
Which engine figure counts?
Rated output at the crankshaft in kW, taken from the engine plate or the papers. If the boat carries two engines, both go in.
Is engine damage covered?
An engine damaged from outside is a claim: grounding, collision, fire, theft, water ingress. An engine that fails from inside usually is not. For mechanical breakdown without an external cause there is a separate machinery module.
Who pays for frost damage to the engine?
The maintenance record decides. Anyone who can show the engine was properly drained and winterised stands in a completely different position from someone without proof. Keep the invoices for the lay-up, in spring they are worth more than any argument.
How high is the deductible for a motorboat?
You choose between 500 and 1,000 euros on the hull cover for a motorboat; 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 motorboat?
Yes, if the motorboat 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. Only intent is excluded. Partial cover only pays for what comes from outside.
Are storm, theft and vandalism covered on a motorboat?
Storm, fire, lightning, sinking and theft of the whole motorboat are paid already under partial cover, theft of single parts down to the outboard and wilful damage under full cover, in winter storage and on the trailer too; only a seasonal policy pauses in winter. Salvage costs after an accident come on top: 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 motorboat on a total loss?
It depends on the cover. Full cover means agreed value: the figure fixed at the start is paid, no deduction new for old, the motorboat is not re-valued after the loss. Partial cover means current value, what the motorboat was worth just before the loss.
Does the cover apply to a motorboat in the Mediterranean and on the high seas?
Yes, if the waters belong to the cruising area of the motorboat 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 motorboat required by law?
Under German law, no, apart from the Swiss part of Lake Constance. Anyone taking a motorboat to Italy, Spain, Denmark or Croatia (from 15 kW) needs liability cover there by law. And almost everywhere the harbour asks for proof before it allocates a berth.
Questions from owners
Your question: Motorboat insurance
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Is it about your own policy or a claim? Please call: +49 3375 29 12 77
Just one thing missing
More water, fewer worries.
One minute for your premium, then the summer is yours again. And if something does happen, one call is enough.
Or call us now: +49 3375 29 12 77