Sailboat insurance: Sails up, kettle on.
Sails up, kettle on and everything else sorted by us. A premium in about a minute, a named contact on the phone and claims reported straight to us.
- Own offices in Salzburg and Palma
- Family run, second generation
- After hours, somebody still answers
Paperwork, waiting, hold music
Three steps, then the breeze is all yours
Tell us your sail area
Sailboats are rated on sail area, not engine power. Main and foretriangle together, plus the boat's value, and the calculator does the rest.
Decide over a cuppa
Happy with the figure? Carry on online. Rather talk? Ring us and a real person walks you through it, no call centre involved.
On deck when it counts
Report a claim straight to us. We bring in the surveyor and a partner yard and see it through until it is paid.
Plain numbers, no small print
What does your happy place cost a day?
Slide the boat's value, pick your level of backup. The figure comes straight from our tariff, worked out for a sailboat, not plucked from thin air.
How much backup would you like?
€25m liability plus full hull cover
The price of a good feeling
€1.22a day
€445 a year, paid annually
Less than a scoop of ice cream on the pier.
Example for a boat worth €25,000, tariff as of 3 October 2026.
Arranged by NAMMERT as underwriting agency and insurance broker.
This is what it is for
Days like these are the point
Hoisting the main at the jetty, mugs out on deck in the sunshine. That is what the boat is for. We look after the paperwork.
Good to know
One gust early, one reef late
A sailing boat is rated on sail area, not on engine power. What decides a claim is rarely the hull: it is the rig, the sails and the question of whether the damage came from weather or from a decision taken too late, such as a reef put in after the gust rather than early enough to meet it.
What does sailboat insurance cost?
In short
Liability starts at around 39 euros a year, partial hull cover at 199 euros,
rated on sail area. Rig, mast and sails sit under full cover,
club regattas are included from Basis-Plus,
and gross negligence is covered up to 50 per cent of the sum insured in 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 aboard. Full adds what happens under sail.
PartialOn the mooring and in the yard, mast up or mast down.
PartialIncluding a fire that starts two boats away in the winter shed.
PartialThe whole boat. Theft of winches, instruments and other fixed parts, and vandalism, under full cover.
FullAfter an accident such as a collision or grounding. Not a seacock or stern gland that simply fails with age.
FullMast, boom and standing rigging after a rig failure under way.
FullFrom a sudden event, not from age. A sail that is simply worn out is not a claim.
FullKeel, rudder and hull after touching bottom, salvage on top of the settlement when an authority orders it.
FullIncluded from Basis-Plus. In Premium regattas of any kind are covered.
The clauses that decide a claim
Worth reading in any quote, not only in ours.
Rig and mast in full cover
Mast, booms, standing and running rigging are insured when they break in an accident.
Sails from a sudden event
A blown out sail is covered when a squall did it, not when twelve seasons of sun did. Keep the invoices.
Club regattas from Basis-Plus
Racing in your club calendar is inside cover from Basis-Plus. Premium covers regattas of any kind.
Grounding and salvage
Salvage and wreck removal are paid on top of the settlement, not out of it, by official order up to 1 million euros in Basis-Plus and up to 2.5 million in Premium.
Gross negligence to 50 per cent in Premium
Waived up to 25 per cent of the sum insured from Basis-Plus and 50 per cent in Premium. A percentage, not a fixed cap.
Craning and winter storage
Winter storage is covered in partial and full cover, in a foreign yard as well. Damage while craning counts as an accident and needs full cover. The marina insures its buildings, not your boat.
Sail area, not length
Plainly said
Two boats of the same length can carry very different rigs, and the rig is what generates the loads. Sail area is therefore the honest rating factor, and it is also the number most owners have to look up rather than guess.
Take it from the sail plan or the measurement certificate, main and foretriangle. If a code sail or a bowsprit was added later, say so: it changes the figure and the loads with it.
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.
What we need for a quote
Before you buy
Sail area, year of build, sum insured and berth. A recent survey helps; ask us whether your boat needs one.
The three questions you actually have
Before you sign
Not “what does it cost” for your sailboat; 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 sailboat 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 sailboat 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 sailboat 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?
Questions and answers
Frequently asked
What does sailboat insurance cost?
Liability starts at around 39 euros a year, partial hull cover at 199 euros, rated on sail area.
Rig, mast and sails sit under full cover, club regattas are included from Basis-Plus,
and gross negligence is covered up to 50 per cent of the sum insured in Premium.
Are rig and sails covered?
Under full cover a mast broken in a squall is a claim,
a sail that tears after twelve years is ageing.
The line between them is where claims get declined, so read how any wording treats rig and sails.
Am I covered when racing?
From Basis-Plus club regattas are included, in Premium regattas of any kind; Basis excludes racing.
For events with a commercial character or unusual risk, ask beforehand.
One sentence before the start is cheaper than a discussion afterwards.
How high is the deductible for a sailboat?
You choose between 500 and 1,000 euros on the hull cover for a sailboat;
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 sailboat?
Yes, if the sailboat 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 sailboat?
Storm, hail, fire, lightning and theft of the whole sailboat are paid already under partial cover,
sinking after an accident, 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 sailboat on a total loss?
It depends on the tariff.
Premium pays the agreed value: the figure fixed at the start, no deduction new for old,
no age limit.
Basis-Plus pays the agreed value while the sailboat is up to five years old,
or older if its current value still reaches half the sum insured,
in both cases once replacement is shown.
Otherwise,
and always in Basis, the current value is paid, what the sailboat was worth just before the loss.
Does the cover apply to a sailboat in the Mediterranean and on the high seas?
Yes, if the waters belong to the cruising area of the sailboat 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 sailboat required by law?
Under German law, no, apart from the Swiss part of Lake Constance.
Anyone taking a sailboat to Italy, Spain, Greece,
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: Sailboat insurance
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The answer comes by email and, if you agreed, appears here as well.
For the Owner's Letter, please confirm the link in our email.
Is it about your own policy or a claim? Please call: +49 3375 29 12 77
More breeze, less fuss.
Cheaper elsewhere? We pay the difference.
Find the same cover for a lower premium somewhere else and we make up the difference, for the term of the policy, up to one year. Read the guarantee and its limits
Or call us now: +49 3375 29 12 77