Premium calculation · Vehicles
Boat insurance
The reference case 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, a different height.
The reference case
Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.
- Length (metres)
- 6
- Horsepower
- 90
- Year built
- 2,014
- Insured value (€)
- 18,000
- Harbour postcode
- no postcode: the rural mainland
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 requires. · the reference tier | €74INTERASCO | €92Allianz Ευρωπαϊκή Πίστη | +24%13 companies |
| With own damageCovers the boat itself as well. | €341INTERASCO | €395Allianz Ευρωπαϊκή Πίστη | +16%13 companies |
| FullAdds theft and engine breakdown. | €352INTERASCO | €409Allianz Ευρωπαϊκή Πίστη | +16%13 companies |
The factors
The same bands at every insurer, different 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 behind the figure
| 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 behind the figure
| 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 behind the figure
| 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 behind the figure
| 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 declared sums
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 |
|---|---|---|---|
| Own damage to the boat, 1.3% on €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%13 companies |
| Towing at seaThey tow you to harbour when you break down. The private cost of one tow easily exceeds the annual premium. | Adds theft and engine breakdown. | €35INTERASCO | €44Allianz Ευρωπαϊκή Πίστη | +26%13 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%13 companies |
| Skipper's liabilityIf someone else handles the boat with your permission. Without it, the company can refuse. | - | €51INTERASCO | €63Allianz Ευρωπαϊκή Πίστη | +24%13 companies |
Minimum premium: from €26 to €32 depending on the company. No price falls below its own.