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Boat insurance from Germany
Liability from approx. €39 a year, limited hull cover from €199, comprehensive from €219; underwritten and settled by us, policy the same day.
This page is a summary in English. Policy wording and terms are issued in German and prevail in case of doubt.
What we insure
Motor boats, sailing boats, yachts, catamarans, jet skis, e-foils and jet boards, houseboats, inflatables and RIBs, rowing boats, dinghies, trailers and watersports equipment, from the club lake to a circumnavigation.
The manufacturer never decides insurability. What matters is boat type, value, year of build, engine power or sail area, cruising range and use. Yachts older than 25 years or with a market value below €80,000 are accepted, as are home-built boats.
How the cover is built
Third-party liability is the basis and covers personal injury, property and financial loss to others, with sums insured of €10m, €25m or €50m. Hull cover protects your own boat: limited cover for fire, storm, lightning, theft of the whole boat and winter storage; comprehensive cover adds collision, grounding, capsizing, sinking, vandalism and theft of parts including the outboard.
Personal accident cover for skipper and crew and legal expenses cover complete the package. Trailer and dinghy can be included, and the international certificate of insurance is issued automatically in ten languages.
Why an underwriting agency
NAMMERT is an Assekuradeur, an underwriting agency with binding authority. We assess the risk, issue the policy and settle claims ourselves. That means short decision paths, a policy on the day you apply and one contact person when something happens.
It also means we can write risks others exclude: racing and training, jet skis and e-foils, home-built boats, older yachts, single-handed sailing and cruising through hurricane regions without exclusion clauses.
Frequently asked questions
What does boat insurance cost?
Liability starts at around €39 a year, limited hull cover at €199 and comprehensive hull cover at €219. The premium depends on value, year of build, engine power or sail area, cruising range and deductible.
Is boat insurance compulsory in Germany?
No, but you remain personally liable for damage you cause. Italy, Croatia, Denmark and Spain do require third-party liability cover, and many marinas ask for proof.
Can I insure a boat bought abroad?
Yes. Keep the bill of sale as proof of value and, when importing, the evidence of VAT payment. Cover can start before handover so that slipping and transport are already protected.
NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, Germany, phone +49 3375 / 29 12 77, claims +49 3375 / 566 75 05, info@nammert.com. We serve owners in Germany, Austria and Spain; your berth may be anywhere in the world.
Read on
Third-party liability for boats
From approx. €39 a year with €10m to €50m cover; worldwide, including skipper liability, trailer, dinghy, marina damage and pollution.
Hull cover for boats and yachts
Limited hull cover from €199, comprehensive from €219, at replacement value with an agreed value clause and no new-for-old deductions.
Yacht insurance
Unlimited agreed value, €50m liability and pollution cover, machinery all-risks, yacht assistance with a 24/7 hotline, and a bail loan up to €200,000 under premium liability or legal expenses cover.
Catamaran insurance from Germany
A 12-metre catamaran has two hulls, two drives, two rudders. Rating it by length alone underinsures it, we rate the real exposure.
Jet ski insurance from Germany
Racing and training insurable, the only provider in our own survey. Agreed value, seasonal policy, liability up to €50 million.
Houseboat insurance from Germany
No maintenance clauses, no radius limit around the berth, waiver of the gross negligence defence up to 50 per cent; and we are the most expensive provider in our own survey.
Blue-water and long-distance cover
Genuinely worldwide, no hurricane or cyclone exclusion clauses, single-handed sailing and unwatched anchoring covered, berth anywhere in the world.
Compare our tariffs
Basis, Basis-Plus and Premium differ in sums insured, agreed value, gross negligence, salvage limits, the liability bail loan and assistance. Legal expenses cover carries its €200,000 bail loan in all three levels.
Switching to NAMMERT
We cancel your old policy free of charge, you start at the highest no-claims discount of 40 per cent and you pay only once the old contract has expired, plus a permanent switching discount.
Making a claim
Our own claims department, fixed surveyors, around 2,000 partner yards worldwide; settled within 48 hours once the file is complete.
Contact and advice
Phone +49 3375 / 29 12 77 for quotes and contracts, +49 3375 / 566 75 05 for claims, or write to info@nammert.com.
NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, Germany, phone +49 3375 / 29 12 77, claims +49 3375 / 566 75 05, info@nammert.com. We serve owners in Germany, Austria and Spain; your berth may be anywhere in the world.