Specialist cover for your tractor
Our tractor insurance is there when you need it, whether you use your tractor for agricultural use, ploughing matches or you are just a vintage collector. Our specialist team will help you to get the right cover for your tractor.Get a quote
A-Plan Tractor Insurance
At A-Plan Insurance we understand that tractors and agricultural vehicles are integral to your livelihood.
They are huge assets and play a major part in many businesses, so it’s important to make sure you’re covered to help keep things running smoothly should the worst happen.
As an insurance broker, we work with a panel of insurers to help find the right policy for you. Plus, we’re at your side if you need to make a claim, helping liaise directly with the insurer, so you can focus on your business.
Some of our tractor insurance features:
- Free agricultural trailer and attachment cover (cover the same as your tractor whilst attached or detached) up to £50,000 any one item.
- Free Legal Expenses Cover (£50,000)
- Any Licenced Driver as standard
- Unlimited Windscreen Cover (subject to £75 Excess)
- Personal Belongings cover £500
- Replacement Locks covered up to £1,000
Contact our rural team and speak to a tractor insurance advisors
What is tractor insurance?
Tractor insurance covers your vehicle for things such as theft and vandalism. There are various policies that you can choose from to provide you with your desired cover.
Tractor insurance isn't necessarily a legal requirement if you are solely using it on your own land. However, tractor insurance is a worthy investment to protect your assets against unexpected circumstances.
Covering the cost of lost or damaged vehicles can have a significant financial and emotional impact, which is where insurance can help to soften the blow. Insurance may also be mandatory if you have used a loan to help pay for your tractor.
Continue reading to find out how tractor policies vary and what you can be covered for.
What qualifies as a tractor?
A tractor is defined by the UK government using the EU Regulation 167/2013. It is an engineering vehicle that is designed to 'pull, push, carry and actuate' machinery for agricultural purposes. They tend to move at slow speeds.
Vehicles such as combine harvesters and crop sprayers are classed as agricultural motor vehicles. This difference will affect the type of insurance you need to take out on your vehicles.
What does tractor insurance cover?
Tractor insurance covers the vehicle and may also cover trailers and accessories, depending on the policy. This could include add-ons such as horse and livestock trailers. The insurance will also cover spare parts and any personal belongings that are in the vehicle at the time of the incident.
There is no legal requirement to insure your tractor for the road if you only use it on your own land. However, you will need road insurance if you take the tractor off your land.
There are three types of cover that you can choose from.
Below is a summary of what you can expect with each level of cover.
- Third-party only (TPO)
- Third-party only is the most basic form of cover. This insurance will cover you if a claim is made against you. For example, if your tractor injures someone or damages their property. TPO insurance will not cover you for loss if your tractor is stolen or any damage.
- Third-party, fire and theft (TPFT)
- TPFT insurance covers everything that Third Party covers, along with some extras. As the name suggests, you will also be covered if your tractor is stolen or damaged in a fire.
This insurance policy offers the most coverage out of the three. You will be covered for third party, fire and theft as with the previous policy. You will also be covered if you are involved in an accident, or your tractor is damaged due to vandalism.
Can I get fleet tractor insurance?
Fleet tractor insurance means that you can insure all of your vehicles (including cars) under one policy. This could include vehicles such as diggers, harvesters and quad bikes.
Vehicles will also need to be listed under agricultural insurance. This type of insurance also covers buildings, livestock and crop.
It will be cheaper to insure a single tractor, but it can get complicated and expensive if you are trying to insure a number of vehicles individually. This is because you will have increased admin and may miss essential payment deadlines or renewal terms.
Insurance companies may also give you a reduced rate if you insure multiple vehicles with them.
Can I get classic tractor insurance?
Insurance companies can individually assess classic tractors to ensure that you get the best insurance for its actual value. Policies can cover you against fire, theft and damage.
This cover is mostly used for tractors that are taken on the road to shows or to participate in live demonstrations.
How much is tractor insurance?
As with most farm equipment, tractors don't come cheap. As such, tractor insurance can be pretty hefty. Add-ons such as trailers and accessories can push the prices up, as can any additional vehicles. The cover level that you choose, be it comprehensive TPFT or TPO, can also result in different quote prices.
You might think that comprehensive cover would be the most expensive because it gives the most coverage. However, the minimal cover offered on policies such as Third Party Only pushes the premiums up and means that you have less cover at a higher cost.
Insurance companies can offer you a quote based on what you want to insure and how much your vehicles cost.
Who can drive a tractor?
To drive Agricultural or forestry tractors you need to own a category F license to be able to drive your tractor on the road. You are able to obtain this type of license from the age of 16. There are limits on what a 16-year-old can drive. These include tractors that are up to 2.45 metres wide. You can also operate with tow trailers up to 2.45 metres wide, with two wheels or four close-coupled wheels. Those aged 17 or older do not have these limitations.
You are entitled to have a category F license if you own a Category B car license.
Tractors used for other purposes
If you don't use your tractor for agricultural purposes, you will need a goods vehicle license. This can be obtained with a category C1E driving license. If you intend to drive other non-tractor agricultural vehicles, you must be 21 years or older and own a category B license.
Aside from insuring your tractor, you must also make sure that it is taxed
Tractors driven on the road must also have a flashing amber beacon that is lit at all times.
How can I save money on tractor insurance?
The easiest way to save money on your insurance is to make sure that you are buying the insurance that you need. There's no reason to overpay on policies and perks that aren't relevant to your vehicle. Insurance brokers can help you find the best policy by acting as an intermediary between you and multiple insurance companies.
Another way to save money is to insure multiple tractors or vehicles at once. This can work out cheaper than individually insuring each vehicle.
Your insurance premium can be lowered by keeping your tractor on private land. This reduces some risk by not exposing it to dangers on the road. A low claims history will help to reduce your insurance cost.
Talk to us to save yourself time and moneyTry us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.
Have dealt with various branches for 30 years. I have nothing but praise for the extremely competent way they have dealt with my house and car insurances.
Very satisfied Staff very helpful, new premium a very fair price, paperwork copy offered as well as email. Wish I’d changed to them years ago!
Mrs Dobson, 06.09.2021
I have been with A-plan for many years and find they are very helpful and friendly. I trust them to take care of all of my insurance needs. Wouldn't use anyone else.
Mr Garner, 04.09.2021
I have just renewed my public liability insurance with A-plan and Ben Blank was FANTASTIC saved me a fortune and made the whole process very simple. Outstanding service! Do yourself a favour phone Ben!
Mr Thompson, 03.09.2021
Renewal time Yep that time again and once again A plan stepped up...same service, same cover, same price as last year... very easy to deal with an very helpful so yet another year, I'm more than happy to remain at A plan cheers guys 👍
Mrs Ashton-Heyen, 01.09.2021
They seem to be people who care. I feel the people at A Plan care about you and do their best to give suitable advise and suggestions. They don't rush you into making a decision as to whether to use their company and make you feel that you have as good a piolicy as you can get.