Home / Houseboat insurance from Germany
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.
This page is a summary in English. Policy wording and terms are issued in German and prevail in case of doubt.
We are the most expensive; here is what that buys
In our survey of seven providers for a La Mare Apart L (2019, €120,000) our premium was the highest, privately and commercially: €1,651.13 against €635.84 for the cheapest quote. We publish that figure because a contract that does not fit disappoints both sides when a claim arrives.
What the difference buys: no maintenance conditions; one competitor devotes four lines to flood protection, winter shut-off of water systems, classification society rules and minimum freeboard. No radius limit around the berth, where two providers restrict cover to 20 nautical miles or 30 kilometres. Waiver of the gross negligence defence up to 50 per cent of the sum insured instead of up to €10,000.
A motor boat policy is not enough
A houseboat is a home. Beyond hull and engine there is a kitchen, heating, beds, bicycles, tools. Those run as personal effects: up to 3 per cent of the sum insured, at least €1,000, included at no extra premium up to €3,000 in Basis-Plus and €6,000 in Premium. On a €120,000 sum insured that is €3,600. If your contents are worth more, tell us the figure and we will agree it.
Self-builds and conversions
Many houseboats are self-built or converted. We insure them with a surveyor valuation. In our survey four providers said yes on the telephone and then sent no quote at all; three gave no commercial quote under any circumstances.
What we do not cover: shore connections, rat and mouse damage, direct weather damage and loss of charter income. Individual competitors do; those are named on our German comparison page.
Frequently asked questions
Do you insure self-builds?
Yes, with a valuation from a surveyor. In our own survey only one other provider did so reliably.
Are there maintenance conditions?
None. Some competitors require flood protection measures, winter shut-off of all water systems and compliance with classification rules; miss one and cover can be reduced.
Is there a limit around the berth?
No. Two providers in our survey limited cover to 20 nautical miles or 30 kilometres from the named berth.
Is loss of charter income covered?
No. Three providers offer it as an add-on; we do not. If that matters to you, they are the better choice.
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
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.
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.
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.