Insuring Kormoran Hausboote
houseboats and electric boats · Poland
Kormoran builds houseboats and electric boats in Poland. 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
Poland
Class
houseboats and electric boats
Typical sizes
7 bis 12 m
Premium from
from €79 a year
Worth knowing
Kormoran Hausboote; cover, cost and conditions
Kormoran builds houseboats in Poland for the Masurian lakes and the inland waters of Central Europe, displacement craft of between nine and twelve metres with shallow draught, a high superstructure and an inboard engine. The high superstructure is the feature that matters for insurance: a houseboat has a large windage area and little draught, and that makes manoeuvring in wind difficult. On this type of construction, berthing damage is the most frequent hull claim.
Berthing and manoeuvring damage is covered by full hull cover, but not by limited hull cover. On a houseboat that is frequently under way in unfamiliar harbours and locks, that is the decisive difference between the levels. Reckon with the deductible: minor hull damage to the rubbing strake and the topsides occurs regularly, and a high deductible shifts precisely these cases onto you.
The second subject is use. Many Kormoran boats go into hire, and on the Masurian lakes that is an established market. Chartering is commercial use and is not included in the private policy. We do underwrite it, but we need it to be declared: a boat in the hands of changing hirers with no licence requirement is a different risk from your own weekend boat.
Questions and answers
Frequent questions
Is berthing damage covered?
Under full hull cover yes, under limited hull cover no. On a houseboat with a high superstructure and little draught this is the most frequent kind of claim.
May I hire out my houseboat?
With declared commercial use yes. Undeclared, cover is entirely absent in a hire situation, including for damage caused by the hirer.
The cover that fits
For the whole class of boat
What matters for houseboats and electric 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 houseboats and electric boats, every brand and every condition
Other builders in this class
All makes by type of boat
houseboats and electric boats
Ohne Zuordnung
motorboats and sports boats
sailing boats and sailing yachts
motor yachts
dinghies and small craft
inflatables and RIBs
jet skis and boards
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 Kormoran, with value and cover
Kormoran 1030 / 1100 is a houseboat from Kormoran (Poland), built since 2005, and today changes hands at between €110,000 and €190,000.
Kormoran 1500 Prestige is a houseboat from Kormoran (Poland), built since 2012, and today changes hands at between €190,000 and €320,000.
Kormoran 1140 / 1280 is a houseboat from Kormoran (Poland), built since 2005, and today changes hands at between €95,000 and €290,000.
Kormoran 890 / 940 is a houseboat from Kormoran (Poland), built since 2005, and today changes hands at between €55,000 and €150,000.
Kormoran boat trailer 750 to 3500 kg is a boat trailer from Kormoran (Poland), built since 2000, and today changes hands at between €1,000 and €9,000.
As the series is still in production, parts are available and repair costs are predictable. Even so, value it at replacement cost including retrofitted electronics, not at list price.
On a houseboat the interior counts. Water damage inside is the most common claim, well ahead of collision.
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.
The boat trailer runs free of charge inside your boat policy, it only has to be listed.
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.
Kormoran insured in five minutes.
Calculate the premium online, policy the same day, or call us: +49 3375 / 29 12 77.
