Many machines around a farm require regular checks to keep them in good working condition and to ensure they comply with Provision and Use of Work Equipment Regulations 1998 (PUWER).1
We're here to help with your farming and agricultural vehicle insurance
Whether you are a farmer or smallholder, contractor or landowner, with our farm fleet agricultural vehicle insurance, you can insure all of your farm vehicles and agricultural machinery under one policy.
The policy will also cover attachments and equipment which is designed to be attached to farming vehicle.
Often targeted, GPS systems are attractive to thieves – especially domes and portable systems that can be quickly taken from a tractor cab. However, it's not uncommon for agricultural vehicle insurance policies to exclude cover for your GPS once it's been removed from the vehicle. So make sure you have separate cover in place under your farm insurances for this vital piece of kit if you remove it for security purposes. Don't assume it's covered through your tractor insurance.
The types of vehicles and machinery our farm vehicle insurance offers cover for includes:
- Tractors
- Self-propelled sprayers
- Farm quad bikes
- Combine harvesters
- Private cars and commercial vehicles
- Combine harvesters, forage harvesters and self-propelled potato harvesters
- All attachments.
We understand the challenges you face; we find ways to manage your risks and arrange cover to protect your business.
How our agricultural insurance team can help you
You're busy running your business. We appreciate that. By working with specialist insurers that understand the risks you face and the importance of settling your claims quickly, we make insurance one less thing for you to worry about.
We're here to protect your business and minimise disruption – should the unthinkable happen.
Get in touch with our farming insurance experts
Specialist cover to protect your farm vehicles and agricultural machinery
We can arrange policies to protect your farming vehicles, including:
- Commercial use of a vehicle along with domestic use
- Commercial use of a vehicle for various diversifications
- Agricultural contracting use
- Young drivers working on the farm
- Legal liability for death or injury to any other person, including passengers
- Vermin damage
- Ingestion of foreign objects and internal damage to machines
- Cover for any authorised, licenced driver on agricultural vehicles
- Up to £150k single item limit on trailers and attachments (market value) without need for specification
- Windscreen and glass cover.
As with all insurances terms and conditions, excesses and exclusions apply. For full details of cover and exclusions please refer to the policy document.
We’re here to help should you find yourself having to make a claim. You can be confident we'll respond swiftly and efficiently, avoiding unnecessary disruption to your business – especially at peak times in the farming calendar.
Frequently asked questions
Many machines around a farm require regular checks including: steam boilers, air pressure plants, refrigeration plants, hot water heating/supply systems,fork lift trucks, lifting plant including blocks and tackle,personnel lifts, excavators/loading shovels, telehandlers, general electrical/mechanical plants.
As a contractor, much of the work you do on your client's farms involve day-to-day risks, involving:
- Injury to others
- Damage to crops
- Livestock
- Equipment
- Theft of property
- Illness
- Weather events
- Legal costs
These are just a few examples; there are many more that can have a devastating impact on your business. By having the correct farming contractors insurance in place, you will be protected from these risks when you need it most.
If you are held responsible for an incident that's caused environmental pollution, the Environment Agency has the power to impose cleanup costs upon you. This includes the costs incurred by their consultants or contractors. Accidents happen, so we would strongly recommend you protect yourself against the possibility of causing environmental liability.
As an agricultural contractor, you need to protect yourself against compensation claims made by a member of the public for injury or damage to their property. For example, someone may trip over your tools when you're working and sustains an injury. If you're held responsible, your public liability insurance could cover the legal fees and compensation costs.
Yes, if you are held responsible for a pollution event, the Environment Agency has the power to impose these clean up costs upon you, including the costs incurred by their consultants or contractors and even where the event occurs on your own land. Find out more about environmental liability cover.
We provide a specialist legal expenses cover for farmers that includes: contract disputes, criminal prosecution, wrongful arrest, employment disputes, property disputes, tax, arbitration and agricultural land, Basic Payment Scheme, personal injury and more.
There are so many risks in farming. Injury to your employees or members of the public, damage to your crops, livestock, equipment, theft of property, illness, weather events, legals costs and many more that can hurt your business. Having the correct insurance in place will protect your farm and your business.
