Insuring Pirat
dinghies and small craft · Germany
Pirat builds dinghies and small craft in Germany. 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
Germany
Class
dinghies and small craft
Typical sizes
5 m
Premium from
from €39 a year for liability
Worth knowing
Pirat; cover, cost and conditions
The Pirat is a German two-man dinghy from 1938 that began as a wooden boat and was later built in GRP, still an active class on inland lakes today, with a fleet that ranges from restored pre-war boats to modern GRP hulls. This span is the point: a wooden Pirat from 1955 and a GRP Pirat from 2015 are two different boats in insurance terms.
With wooden boats, determining the value is the actual work. A properly restored wooden Pirat can be worth more than a production GRP boat, and the value lies in the workmanship, not in the material. Have it established by an appraiser and set it as an agreed value. Without an appraisal the value is disputed in the event of a claim, and with a wooden boat this discussion regularly turns out to the owner's disadvantage.
For the hull insurance on wooden boats, moisture and rot are the issues that no policy covers; that is maintenance. Covered are storm damage, fire, theft, collision and transport damage. With a boat that lies ashore at the club, storm damage in winter storage is the most frequent case; secure the boat cover and shore the boat up properly.
Questions and answers
Frequent questions
How do I insure a restored wooden Pirat?
With a valuation report and an agreed value. The value lies in the restoration work, not in the material; without a report it is disputed in the event of a claim.
Is rot in the wood covered?
No, that is maintenance. Covered are storm, fire, theft, collision and transport damage.
The cover that fits
For the whole class of boat
What matters for dinghies and small craft 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 dinghies and small craft, every brand and every condition
Other builders in this class
All makes by type of boat
dinghies and small craft
Ohne Zuordnung
motorboats and sports boats
sailing boats and sailing yachts
motor yachts
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 Pirat, with value and cover
Pirat racing (Carbon-Rigg) is a sailing dinghy from Pirat, built since 1995, and today changes hands at between €8,000 and €22,000.
Pirat wooden build is a sailing dinghy from Pirat, built from 1938 to 2000, and today changes hands at between €1,000 and €6,000.
Pirat GRP build is a sailing dinghy from Pirat, built since 1970, and today changes hands at between €3,000 and €14,000.
As the series is still in production, parts are available and repairs are predictable. Still, set the value at replacement cost, including sails, rigging or gear you bought later.
Dinghies are mostly trailed and stored ashore, and that is where most damage happens: rigging, strapping down and winter storage.
For a series of this age there is no list price left. That is why we work with an agreed value: you state the figure, we agree it, and in a total loss exactly that amount is paid, with no deduction for wear.
Pirat insured in five minutes.
Calculate the premium online, policy the same day, or call us: +49 3375 / 29 12 77.
