Farmhouse insurance
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Your farm is your livelihood, so finding financial protection for your tractor and agricultural vehicles is vital. Take a look at the different insurance options available to you.
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Tractor and agricultural vehicle insurance covers smallholding and farm vehicles from incidents like theft and fire damage, as well as insuring you for accidents.
Whether you’ve got a digger or a combine harvester, tractor and agricultural vehicle insurance can cover your farm vehicles for incidents on your own private land and on public roads.
You might be able to cover some vehicles used on your farm, like vans, 4x4s, pick-ups and other commercial vehicles under a van insurance policy instead, particularly if you use them primarily on the road.
While tractor insurance is designed to cover just tractors, agricultural vehicle insurance gives wider cover - it can insure all of your farm vehicles under one policy. This could include tractors, combine harvesters, sprayers, all-terrain vehicles, quad bikes, diggers and top-loaders.
Agricultural vehicle insurance isn’t the same as agricultural insurance.
Agricultural insurance covers all forms of crops, grain in-storage and other types of agricultural produce, plus buildings and livestock. But it doesn’t cover vehicles.
The level of tractor insurance you need depends on what you want to be covered for, how you use your tractor and whether it’s used on public roads. There are three main levels of tractor insurance:
Third party only (TPO) - This only covers other people making claims against you, for example if you injure someone or damage their property. It doesn’t cover loss or damage to your own tractor.
Third party, fire and theft (TPFT) - TPFT insurance includes claims from third parties, as well as damage to or loss of your vehicle as a result of fire or theft.
Comprehensive cover - Fully comprehensive includes everything under TPFT, as well as cover for your vehicle if it's damaged or lost due to an accident or vandalism.
It can include cover for:
Read the policy documents carefully to see exactly what you're covered for.
It’s also worth noting that you might be limited to a certain annual mileage with standard tractor cover. But commercial tractor insurance can come with no mileage limits - suitable for those who farm over large areas or use their tractor to transport goods.
Tractor insurance can exclude the following:
Whereas tractor insurance will only cover one specific vehicle, agricultural vehicle insurance can protect a range of farm vehicles including:
It may also extend to private vehicles like quad bikes.
To cover your farm’s home, outbuildings, contents, livestock and horses, you’ll need an agricultural or farm insurance policy, which isn’t limited to just vehicles.
You may want to consider business cover if your farm hosts B&B guests or is used as a wedding venue.
This can reduce the cost of your tractor insurance – but only do this if you can afford to pay it in the event of a claim.
Adding young drivers aged under 21 years old, inexperienced drivers, or those who have driving convictions to the policy can increase costs.
Adding named drivers to your policy who are experienced and have clean driving records can help to reduce premiums.
Insurers may offer discounts if a tractor has a Thatcham-approved security device like an alarm, immobiliser or tracking device fitted. And keeping your tractor locked in an outbuilding overnight and installing CCTV can help lower premiums too.
The value of your tractor affects the price of your insurance. Be sure to check it when it’s time to renew, so you’re not overvaluing it and paying more than you need to.
Agricultural vehicle theft is a big problem as tractors are relatively easy to sell on. They go for a lot of money and are difficult to trace once broken down for parts.
Here are a few things you can do to improve your tractor security:
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