If you have a farm, then you want to make sure that all the vehicles you rely on to make your living are fully protected and legal to operate. Farm vehicle insurance enables you to do this in an affordable and convenient way.
Some of the main benefits of farm vehicle insurance are:
- Insure all your farm vehicles together
- Get cover for personal accidents, road risks, and more
- Flexible payment options
- Easy claims procedure
A guide to farm vehicle insurance
Running a farm means you’re typically going to have multiple vehicle types that are used for different purposes. Some will be used solely on your farm, while others will need to be driven on the roads and therefore need to be road legal. You might also have multiple people who need to be covered to operate these vehicles. The good news is that farm vehicle insurance gives you a way to take care of all of this under a single policy.
Below is some more information on farm vehicle insurance, but if you already know what you’re looking for, simply click the green button to get quotes now.
Did you know?
What are the types of farm vehicle insurance available?
The main types of farm vehicle insurance are:
- Third party – Third party insurance will make the named vehicles on your policy legal to drive but will only provide cover for other road users if you’re involved in an accident where you’re to blame.
- Third party, fire and theft – This is the same as third party cover but with fire and theft also included.
- Fully comprehensive – This will provide your vehicles with the most protection and will cover them even if you or one of the named drivers on the policy are in an accident where you’re to blame.
Additional cover options
Farm vehicles are often used in a very different way to regular road-use vehicles, so it’s always necessary to consider additional types of cover to the road risks options mentioned above. Some very common types of additional cover found in farm vehicle insurance policies include:
- Personal accident cover – Personal accident cover is always wise to have when working on a farm. It will cover you for any injuries you might sustain while operating your vehicles.
- Liability cover – If you have people working for you, this is definitely a cover option to strongly consider. It will protect you from claims from employees as well as members of the public who are injured or killed by one of your vehicles.
- Replacement vehicle – You can also get replacement vehicle cover added to your policy, although this might only be available for regular cars with a lot of insurance providers.
Why farm vehicle insurance is important
The only farm vehicles you’re legally obligated to insure are those that will be driven on public roads. However, it’s important to consider the risks associated with operating farm vehicles as well as the potential cost of replacing them if they were damaged or stolen. These risks make farm vehicle insurance important to have.
Did you know?
How to save money on farm vehicle insurance
A couple of good ways to save money on farm vehicle insurance are:
- Increase excess on the policy – Increasing how much excess you’d pay in the event of a claim is a reliable way to cut down the cost of your premium.
- Get quotes from many insurance providers – You should always make sure to get quotes from multiple insurance providers so you can get the best deal.
In summary: Buying farm vehicle insurance
A good farm vehicle insurance policy will protect you from the main risks associated with operating farm vehicles. It will enable you to run your farm with peace of mind and give you a way to insure all your vehicles together quickly and easily.
Get farm vehicle insurance quotes now!
Click the green button below to get your farm vehicle insurance quotes now!
Farm Vehicle Insurance FAQs
Are all farm vehicle insurance policies the same?
No not at all. The price of policies as well as their features can vary a lot from one provider to the next. This is why it’s always important to shop around when looking for cover.
Can all types of farm vehicles be covered?
Yes, pretty much any type of vehicle you would expect to see on a farm can be covered. This includes:
- Cars
- Quad bikes
- Tractors
- Combine harvesters
- Crop treatment vehicles
- Trailers
How much will it cost?
This will depend on how many vehicles you have to insure as well as their value and the security of your farm among other things.
