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Tractor insurance

A tractor policy can protect a tractor if it is stolen, damaged in an accident or caught in a fire. It also gives you the third party cover the law requires before a tractor goes on a public road (GOV.UK).

Owning a farm or running an agricultural business is likely to require investment in farm machinery and vehicles. The type of vehicles a farm requires is likely to be heavy duty and robust vehicles like a tractor or two. Any tractor needs to be able to handle the pace and the workload and needs to be reliable too. Regardless of what a farm produces having good tools and equipment and the ability to move these things around easily could be essential for business survival. Having a farm business could require tractor or tractor fleet insurance in order to protect these types of vehicle from theft, damage or fire.

Finding suitable tractor insurance could simply involve looking online. A comparison service could offer help in this area as they could quickly handle a range of quotes based on some initial information from the owner. A tractor could be worth thousands of pounds so it might be important that a farm business could recover the costs of such a loss if they needed to. The perception could be that cheap tractor insurance may not be possible however it could be wise not to rule anything out when shopping online.

To compare tractor insurance could be the quickest and cheapest way to get a quality policy in place. When dealing with insurance companies it could be wise to work with a company that understands customers as well as the type of cover that they need. Driving a tractor in the UK could require insurance by law but the requirement for cover could be needed for much more than that. Knowing that there could be financial protection in place if required could give farmers the peace of mind that they need to focus on their business as a whole and not to be distracted by the need for tractor insurance.

Do you need insurance to drive a tractor on the road?

Yes. Third party insurance is the legal minimum for driving any vehicle on UK roads, and that includes a tractor using a lane between fields (GOV.UK). Work that stays on private farmland falls outside that road rule, but a damaged tractor is still costly to repair or replace.

A full car licence (category B) includes entitlement to drive agricultural tractors (category F) (GOV.UK). Tractors do not need an MOT (GOV.UK). Farm tractors are exempt from paying vehicle tax, but you must still tax them (GOV.UK).

What does a tractor policy cover?

Cover depends on the level you choose. Third party only pays for damage or injury you cause to others, not repairs to your own tractor (GOV.UK). Third party, fire and theft adds those two risks, and comprehensive can also pay to repair your tractor.

Depending on the policy, you may also be able to add:

• attachments such as a front loader, weights or a hedge cutter
• breakdown help, including recovery from a field
• any authorised farm worker as a driver, rather than named drivers only
• cover for trailers the tractor tows

What affects the cost of tractor cover?

There is no fixed price, as each insurer weighs the risk differently. Insurers usually look at:

• the make, model, age and value of the tractor
• how far it travels on public roads
• who drives it, and their age and experience
• where it is kept overnight and how it is secured
• your claims history

To compare quotes, fill in the form at the top of this page and let providers from Quotezone’s panel get back to you.

You might also need

If your tractor tows a trailer away from the farm, trailer insurance may be worth pricing too. For the buildings, stock and machinery around it, see farm insurance.