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What Is Agricultural Vehicle Insurance & What Does It Cover?

Agricultural vehicle insurance is the collective name used to describe all of the different types of policy for the different types of vehicles used by agricultural businesses for commercial purposes including different kinds of wheeled transport such as a quad, combine harvester, bailer or top loader. Each piece of equipment could play an important part in the smooth operations around a farm or other agricultural setting. Farm machinery could also cost thousands of pounds and so any UK farmer may prefer to invest in quality insurance that could ensure they receive some financial recovery if something should happen. Agricultural vehicle insurance could include various different vehicles depending on the insurer or it might just include a single vehicle that has broad terminology.

Agricultural Vehicle Cover Explained

When taking out your policy you can choose from three levels of cover. Third Party Only will cover any third party damage or injury claims made against your business in the event of an accident. It is worth noting that your vehicles will not be covered at all and all own vehicle repairs would have to be made at your expense, but this type of cover is the cheapest of the three. Third Party, Fire and Theft covers the same as Third Party Only but with added protection for your own vehicles for damage caused by fire or if they are stolen. Comprehensive on the other hand is the most expensive level of cover, however it will protect your own vehicles against any damage suffered during an incident.

Vintage tractors that are used by hobbyists or taken to agricultural shows can be covered by a specific type of insurance too, similar to a classic car policy.

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We can provide insurance cover for all makes of tractor including John Deere, Massey Ferguson, Ferguson, New Holland, Case, Claas, Fendt, Valtra, David Brown, Deutz, Nuffield, Zetor, Field Marshall, McCormick, Ford, Fordson, Landini, Leyland, Kubota, JCB, Same, Lamborghini, Mahindra, Ursus, Dong Feng, Kioti and Shire.

You may wish to consider setting an age limit so younger and less experienced drivers cannot be included. Similarly you may wish to avoid drivers with convictions. This type of policy is designed to meet the needs of the policyholder. Looking after your equipment well is essential in the farming industry. When you’re relying on an income from the land, your tools need to be in good shape or you could see your salary suffer. Whether you’ve got a JCB or a John Deere, getting tractor or agricultural insurance to cover your farm vehicles might be just the thing you need.

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What Is Commercial Motor Insurance & What Does It Cover?

Finding agricultural vehicle insurance might not be as hard one might think, especially if they use MoneyCornershop.com to help them to identify appropriate insurers first. To compare agricultural insurance could be preferable to many so that they have a ball park figure on what the likely costs of cover are ahead of committing to paying an expensive premium. Comparison companies could be much more convenient as shopping for insurance could be time consuming and time could be very much in short supply for many farmers or agricultural workers.

Other Things You Should Know

Agricultural Security Vehicles

Although you may live in a rural area, you shouldn’t neglect your tractor’s security. Agricultural vehicle theft cost the UK £5.4m in 2016 – so don’t leave your keys in the ignition or your tractor unlocked – it’s not the most nimble of getaway vehicles but thieves may still try their luck.

Whilst the cost of agricultural vehicles might be high, we can help you identify ways to reduce your costs when it comes to insuring your agricultural vehicles. The can provide you various markets and we help you make an informed choice about the cover you need. Entering some basic details about the vehicle and even identifying a budget range could all help get a range of quotes quickly and without too much hassle for you vehicle owners. Focusing on your business matters and we know that you care about your farm, we care about making sure your agricultural vehicles are covered and are as competitively priced as possible.

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As well as the three cover levels you can also select the driving restrictions applied to them. You could have a Named Driver policy which will allow specific drivers named on the policy documents to drive specific vehicles. This is perfect if your drivers will only ever
need to drive specific vehicles.

Alternatively if you have a large number of drivers that may need to drive all of your vehicles, then you could benefit from an Any Driver policy, though this is usually more expensive as any driver within your business who holds a valid licence to drive the vehicle can do so.
You may wish to consider setting an age limit so younger and less experienced drivers cannot be included. Similarly you may wish to avoid drivers with convictions. This type of policy is ideal for a busy company with multiple vehicles and many drivers such as a taxi firm, hauliers or a delivery company.

There are often more vehicles on the farm than just tractors !

Here are a few points to recap on the types of cover available under Commercial Motor insurance:

  • Fleet Insurance
  • Truck insurance
  • Haulage insurance
  • Comprehensive Cover
  • Third Party, Fire & Theft
  • Third Party Only
  • Named Driver Policies
  • Any Driver Policies

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Want to find out more, speak to an expert or get a quote?

Call our specialist team on 0330 043 0003 or

click ‘Start Quote’ to find out how much you could save.

If your farm is your livelihood, your tractor and agricultural vehicles are vital to your business.

Find out more about the different insurance available to you.

Looking after your equipment well is essential in the farming industry.

When you’re relying on an income from the land, your tools need to be in good shape or you could see your salary suffer.

 

 




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