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Digger insurance

A digger policy can protect an excavator or mini digger against theft, accident damage and fire, and cover your liability if it damages someone else’s property. Quotezone gives you one short form to get quotes for it.

A builder or other tradesperson might have the requirement to own a digger to carry out heavy duty tasks on building sites or other locations. A digger could be the best vehicular tool to use for a range of tasks and therefore ownership could be the best solution all round. A digger might be an expensive investment running into thousands of pounds. In order to replace a digger it could prove very costly and yet at the same time it could be hard to provide secure storage for a large piece of equipment in some circumstances. As a result taking out digger insurance could be a good way of having financial recovery in place if needed.

It might be necessary to drive a digger on UK roads in order to get to sites or a working destination. As a result it could become a legal requirement to get digger insurance in place to make those journeys abide by the law. One of the easiest ways to get a suitable policy in place might be to compare digger insurance in order to get a good overview of the kinds of quotes available.

Getting several quotes together all at once could be very straightforward rather than searching via individual companies one by one. A comparison could give a fuller picture of all the appropriate quotes for cheap digger insurance. Going online might be the best opportunity for a person to find the most suitable digger insurance for them. A comparison could be started by just a few basic pieces of information about the digger and the driver. Getting insurance in place could be cheaper and more convenient when shopping via the internet. It could mean having a tailored quote that gives the digger owner the best possible protection for their vehicle.

What can a digger policy cover?

Cover usually starts with the machine itself, then adds the risks around how you use it. Depending on the policy, that can include:

• theft, including theft from a trailer or a site
• accident damage and fire
• public liability for damage to other people’s property or underground services
• hired-in plant you are responsible for
• attachments such as buckets and breakers

Check the excess and any security conditions, such as an immobiliser or locked storage overnight.

Mini digger and excavator insurance

Mini diggers are light enough to tow on a trailer, which makes them easy to move between jobs. Larger tracked excavators move less often but can cost more to repair. Tell the insurer the machine’s weight, value, how you transport it and how it is stored.

Do you need a licence to drive a digger on the road?

For a tracked digger, yes. GOV.UK puts tracked vehicles in licence category H, and you need provisional entitlement and a test before driving one on the road (GOV.UK). Drivers aged 17 to 20 are limited to tracked machines of up to 3,500kg maximum authorised mass (GOV.UK). Any road use also needs insurance.

Digger hire insurance

If you hire a digger out, or hire one in for a job, the cover is different. Hiring out with an operator brings liability for the work done. Hiring in can leave you responsible for the machine under the hire contract, so say which applies when you compare quotes.

You might also need

Groundworkers often need builders insurance for the wider job, and our JCB backhoe loader insurance page covers backhoe loaders and telehandlers too.