Insuring Hardy Marine
motorboats and sports boats · the United Kingdom
Hardy builds motorboats and sports boats in the United Kingdom. NAMMERT insures boats of this make regardless of year built or where you bought them, liability, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
the United Kingdom
Class
motorboats and sports boats
Typical sizes
5 bis 12 m
Premium from
from €49 a year for liability
Worth knowing
Hardy Marine; cover, cost and conditions
Hardy builds seaworthy displacement and semi-planing boats that stay steady even in a swell. Anyone cruising along the coast with one should read the cruising range in the policy carefully: coastal waters up to twelve nautical miles is something different from the North Sea up to twenty nautical miles, and an extension is just a phone call away, but it does not apply retroactively.
Diesel engines are the rule at Hardy. That reduces the fire risk considerably compared with petrol engines, but shifts it to the fuel system: diesel bug, meaning bacterial contamination in the tank, clogs filters and brings the engine to a standstill. The breakdown itself is not a hull insurance claim, but the consequences of an accident without propulsion are. Tank maintenance is therefore also loss prevention.
For fishing along the coast, personal accident cover is added. The most expensive loss on a small boat is rarely the boat but the person. Our personal accident cover applies to everyone on board, regardless of who invited them, and it also applies when boarding and disembarking, where most falls happen.
Questions and answers
Frequent questions
Does my policy also apply to the North Sea?
Only if the cruising range allows for it. Check the entry in the policy document, an extension is possible at any time, but not retroactively.
Is engine damage caused by diesel bug covered?
The engine damage on its own is not, as it counts as a consequence of maintenance. Consequences of an accident such as grounding or collision after a loss of propulsion are covered under full hull cover.
The cover that fits
For the whole class of boat
What matters for motorboats and sports boats is the same across every brand; engine output, how a claim is settled, cruising range and theft protection. The class page lists every point and every brand in this class.
Insuring motorboats and sports boats, every brand and every condition
Other builders in this class
All makes by type of boat
motorboats and sports boats
Ohne Zuordnung
sailing boats and sailing yachts
motor yachts
dinghies and small craft
inflatables and RIBs
jet skis and boards
houseboats and electric boats
catamarans and multihulls
boat trailers
Katamarane & Trimarane
Nautical information What counts before you cast off, papers, equipment, waters
Licence
A powerboat licence (inland or coastal) is required from 15 hp (11.03 kW).
Registration
Registration from 3 hp; for trips abroad carry the boat certificate or flag document.
Waters
Inland, coastal and abroad; plan fairways, bridge clearances, draught and tides.
Equipment
Lifesaving gear, fire extinguisher, anchor, signalling equipment and correct navigation lights.
Cruising range
The agreed cruising range is stated in the policy and can be extended at any time.
Weather
Check wind force in Beaufort and wind direction before casting off, and allow for gusts.
General guidance, not a complete account; what governs are the rules of the waters you are on and your boat’s manual. Current wind force and direction for your waters are shown on the Home.
Series by Hardy, with value and cover
Hardy Fishing 17 / 20 is a fishing boat from Hardy (the United Kingdom), built from 1980 to 2015, and today changes hands at between €8,000 and €32,000.
Hardy Navigator 24 / 27 is a motorboat from Hardy (the United Kingdom), built from 1990 to 2015, and today changes hands at between €28,000 and €95,000.
Commodore 32 / 36 is a motor yacht from Hardy (the United Kingdom), built from 1995 to 2015, and today changes hands at between €75,000 and €240,000.
Hardy Family Pilot 20 SE is a motorboat from Hardy (the United Kingdom), built from 1990 to 2012, and today changes hands at between €14,000 and €42,000.
Hardy Navigator 18 / 22 is a motorboat from Hardy (the United Kingdom), built from 1990 to 2015, and today changes hands at between €18,000 and €55,000.
For a series built in these years the market value and the replacement cost often differ widely. An agreed value removes the age-based scale, and the figure in the policy stands.
On a fishing boat the gear is often worth more than expected: sounder, trolling motor and rods are covered as equipment if they are listed.
On a motorboat the drive is the single most valuable part. Damage after grounding is covered, an engine failure from wear is not.
On motor yachts the drive and the electronics together make up about half the value. Both belong in the valuation, otherwise the sum insured is too low.
Models of this make we insure
Each model has its own page with cover, cost and the points that matter for that boat. Your model not listed? We insure it all the same.
Hardy insured in five minutes.
Calculate the premium online, policy the same day, or call us: +49 3375 / 29 12 77.
