Boat insurance / Sports boat insurance
Sports boat insurance: Catch air. We'll hold the rope.
Carve the wake, catch some air when the mood takes you, and we'll hold the rope. Your premium in about a minute, a real person on the phone and straight answers on which papers your boat needs.
- No call centre, a named contact
- Straight answers on the paperwork
- Claims reported straight to us
Paperwork, waiting, hold music
Three steps, then the wake is all yours
Six details, no paperwork yet
Type, length, engine output, year of build, value and cruising area. That is all we need for a quote. The papers can wait.
Your call, your pace
Happy with the figure? Go ahead online. Rather talk it through? Give us a ring and a real person picks up.
Then we look at the papers
We tell you which papers your boat actually needs, and which ones the internet insists on without reason.
Plain numbers, no small print
What does your happy place cost a day?
Slide the boat value, pick your level of backup and watch the daily figure. It comes straight from our tariff for sports boats.
How much backup would you like?
€25m liability plus full hull cover
The price of a good feeling
€1.29a day
€470 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
Sandbank, sunshine, cold drinks
Dropping anchor off a sandbank, hair all over the place, one more go over the wake. That is the summer. Leave the admin to us.
Good to know
Insure the boat, and the paperwork with it
A sports boat policy is the easy part. The part that decides a claim is often the paperwork: which registration the boat carries, which licence the person at the helm holds, and whether the papers match the boat that is actually in the water.
What does sports boat insurance cost?
In short
Liability starts at 49 euros a year and from Basis-Plus hull cover insures the boat at an agreed value. It applies to any sports boat and any cruising area, and it comes with the part most owners actually ask about: which registration, licence and ship papers your boat needs.
Figures from the NAMMERT tariff, August 2026, annual premium including insurance tax.
Partial cover and full cover
Partial covers what happens with nobody at the helm. Full adds what happens under way.
The papers that decide a claim
None of these is an insurance question until the day it is.
Licence for the boat and the water
Which certificate applies follows the engine power and the water, not the owner address. Inland and coastal are separate.
Registration and plate
Registration is voluntary in some cases and required in others. The policy does not depend on it, a foreign harbour authority may.
Proof of ownership
Bill of sale, yard invoice or a builder certificate. Without one, a theft claim becomes slow rather than impossible.
Cruising area in writing
Inland, coastal or Mediterranean is a line in the policy. Extending it before departure costs less than explaining it afterwards.
Agreed value
In Premium, and in Basis-Plus within its age rules, the sum is set before anything happens and does not fall with the market during the season. Basis pays the current value.
Salvage on top
Salvage and wreck removal ordered by an authority are paid in addition to the settlement, up to the sum insured in Basis, 1 million euros in Basis-Plus and 2.5 million in Premium.
A boat with the wrong papers is still insured
Plainly said
Missing registration does not void the policy, and no serious insurer pretends otherwise. What missing papers do is slow everything down: proving ownership, proving the value, proving that the boat in the photographs is the boat in the contract.
Sorting the documents once, before the season, turns a slow claim into a quick one. We say which papers your boat actually needs, and which ones the internet insists on without reason.
What we need for a quote
Before you buy
Type, length, engine output, year of build, value and cruising area. Papers we can sort out afterwards.
The three questions you actually have
Before you sign
Not “what does it cost” for your sports 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 sports 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 sports 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 sports 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 sports boat insurance cost?
Liability starts at 49 euros a year,
and from Basis-Plus hull cover insures the boat at an agreed value.
It applies to any sports boat and any cruising area,
and it comes with the part most owners actually ask about: which registration,
licence and ship papers your boat needs.
Do I need a licence for the policy to pay?
Where a licence is prescribed, holding it is a condition.
Operating without the required licence is a breach of duty and can cost the settlement in part or
in full.
Where no licence is required, we do not ask for one either.
Where is the line between a sports boat and a yacht?
There is no fixed definition.
At sea the usual range is 10 to 17 metres, inland 6 to 15.
For the contract, value, equipment and cruising range matter more than the label anyway.
How high is the deductible for a sports boat?
For hull cover on a sports 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 sports boat?
With full cover, yes: grounding, collision and handling errors with a sports 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 sports boat?
Storm, hail, fire, lightning and theft of the whole sports boat are covered already under partial
cover, sinking after an accident,
theft of parts including the secured 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 sports boat on a total loss?
In Premium the agreed value, the amount you and the insurer fixed when the policy started,
with no deduction for the age of the sports boat and no argument after the loss.
Basis-Plus pays the agreed value while the sports boat is up to five years old,
or older if its current value still reaches half the sum insured, once replacement is shown.
Otherwise,
and always in Basis, the current market value is paid,
meaning what the sports boat was worth immediately before the loss.
Does the cover apply to a sports boat in the Mediterranean and on the high seas?
Yes, as soon as the cruising area in the policy includes the waters: European inland waters,
North Sea and Baltic, the Mediterranean or worldwide, for liability and hull alike.
Transport there on the trailer is included.
Premium covers six weeks a year outside the agreed area, in Basis you need an agreement beforehand.
Is insurance for a sports boat required by law?
Not in Germany, with one exception:
on the Swiss part of Lake Constance liability cover is compulsory.
Italy, Spain, Greece, Denmark and Croatia from 15 kW require it.
Regardless of the law, most marinas,
clubs and winter storage yards ask for proof before they let you a berth for the sports boat.
Questions from owners
Your question: Sports boat insurance
No question has been answered on this page yet. The first one goes here.
Answers come from us, not from other readers.
Thank you, we have your question.
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
Cool box empty, head clear.
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