Insuring Topper und Topaz
dinghies and small craft · the United Kingdom
Topper builds dinghies and small craft 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
dinghies and small craft
Typical sizes
3,4 bis 4.3 m
Premium from
from €39 a year for liability
Worth knowing
Topper und Topaz; cover, cost and conditions
Topper builds plastic dinghies in England for training and youth sailing. The Topper itself is a rotationally moulded single-handed dinghy that has been sailing in sailing schools and clubs since the seventies, and the Topaz range covers youth and family boats. Rotationally moulded plastic is the difference that matters for insurance: these hulls are practically indestructible in normal use, but hard to repair if something does break.
A crack in a rotationally moulded hull cannot be laminated like GRP, it is welded, and that does not always hold permanently. In practice, major hull damage on these boats leads to an economic total loss more often than on a GRP boat of the same value. Set the sum insured according to the real replacement value; on a used Topper that is a low four-figure amount.
School and club operation is the issue here too. Topper fleets stand in sailing schools and are sailed by beginners, which is commercial or club use and has to be declared. For private owners the third-party liability is the more important part: even a small dinghy can cause personal injury in a busy area, and the amount does not depend on the value of the boat.
Questions and answers
Frequent questions
Can a plastic hull be repaired?
Only by welding, and not always permanently. Major hull damage on these boats leads to an economic total loss more often than with GRP.
What do I need for a school fleet?
Registration as school or club use, with the number of boats. Beginners as users are a different risk from use by the owner.
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 Topper, with value and cover
Topper (Einhand) is a sailing dinghy from Topper (the United Kingdom), built since 1977, and today changes hands at between €1,000 and €6,000.
Topper / Topaz is a sailing dinghy from Topper (the United Kingdom), built since 1980, and today changes hands at between €1,000 and €8,000.
Topaz Uno / Race / Taz is a sailing dinghy from Topper (the United Kingdom), built since 2000, and today changes hands at between €2,000 and €9,000.
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.
Topper insured in five minutes.
Calculate the premium online, policy the same day, or call us: +49 3375 / 29 12 77.
