Premium calculation · Vehicles
Boat insurance
In our own estimate, the basic example costs from €74 to €92, depending on the company. From there, 4 tables with 20 bands in all raise or lower the price: the same steps at every company, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 16 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Length (metres)
- 6
- Horsepower
- 90
- Year built
- 2014
- Value of the boat (€)
- 18,000
- Harbour postcode
- no postcode - the average of Greece
- The reference tier
- Third-party liability
- €74 - €92
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| Third-party liabilityCovers only what the law asks. · the reference tier | €74INTERASCO | €92Allianz Ευρωπαϊκή Πίστη | +24%16 companies |
| With damage to the boatCovers the boat itself as well. | €341INTERASCO | €395Allianz Ευρωπαϊκή Πίστη | +16%16 companies |
| FullAdds theft and engine breakdown. | €352INTERASCO | €409Allianz Ευρωπαϊκή Πίστη | +16%16 companies |
The factors
Every insurer has the same bands, but its own coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.87 to × 1.78 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 5 metres | × 0.87 | × 0.92 |
| 5 - 7 metres | × 1.00 | × 1.00 |
| 7 - 10 metres | × 1.20 | × 1.12 |
| 10 - 14 metres | × 1.46 | × 1.28 |
| over 14 metres | × 1.78 | × 1.48 |
From × 0.22 to × 3.21 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 30 hp | × 0.22 | × 0.52 |
| 31 - 100 hp | × 1.00 | × 1.00 |
| 101 - 250 hp | × 1.52 | × 1.32 |
| 251 - 500 hp | × 2.30 | × 1.80 |
| over 500 hp | × 3.21 | × 2.36 |
From × 1.00 to × 1.33 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 5 years old | × 1.00 | × 1.00 |
| 6 - 15 years old | × 1.00 | × 1.00 |
| 16 - 25 years old | × 1.13 | × 1.08 |
| over 25 years old | × 1.33 | × 1.20 |
From × 1.00 to × 1.00 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Attica | × 1.00 | × 1.00 |
| Thessaloniki | × 1.00 | × 1.00 |
| Large cities | × 1.00 | × 1.00 |
| Rest of mainland Greece | × 1.00 | × 1.00 |
| Islands | × 1.00 | × 1.00 |
| Greece, national average | × 1.00 | × 1.00 |
Rates on the sums insured
Whatever is priced on a sum you declare, the value, the building, the capital, enters the price before the factors.
| Cover | In tiers | Cheapest | Dearest |
|---|---|---|---|
| Damage to the boat: 1.3% of €18,000on €18,000 | Covers the boat itself as well., Adds theft and engine breakdown. | 13.44‰€242 · INTERASCO | 15.05‰€271 · Allianz Ευρωπαϊκή Πίστη |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Crew and passengersPersonal accident cover for everyone on board. Third-party liability covers others, not your own people. | - | €41INTERASCO | €52Allianz Ευρωπαϊκή Πίστη | +27%16 companies |
| Towing at seaThey tow you to port when you break down. | Adds theft and engine breakdown. | €35INTERASCO | €44Allianz Ευρωπαϊκή Πίστη | +26%16 companies |
| Transport by trailerCovers the boat while it is on the road rather than in the water, where more damage happens than anyone expects. | - | €28INTERASCO | €35Allianz Ευρωπαϊκή Πίστη | +25%16 companies |
| When someone else is at the helmIf someone else handles the boat with your permission. Without it, the company can refuse. | - | €51INTERASCO | €63Allianz Ευρωπαϊκή Πίστη | +24%16 companies |
Minimum premium: from €26 to €32 depending on the company. No price falls below its own.
Instalments: in two halves the year costs 8% to 8% more, and in four quarters 16% to 16%, by company.