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Compare Tractor Insurance
Compare Tractor Insurance UK
Find the best tractor insurance for your machinery. Compare tractor insurance plans from top UK providers, get instant quotes, and protect your investment from unexpected repair bills. Whether you have a powerful Farm Tractor, a classic Vintage Tractor, or a versatile Utility Tractor - we help you find cheap tractor insurance that fits your budget. Understanding tractor insurance cost is essential before you buy.
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7+
Tractor Types Covered
From £25
Per Month
24/7
Breakdown Cover
95%
Claims Paid
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Compare Tractor Insurance: What is It and Why Do You Need It?
Tractor insurance is a specialist type of agricultural vehicle insurance designed to cover tractors and other farm machinery. With the average tractor repair now exceeding £3,000 and replacement costs running into tens of thousands, having comprehensive tractor insurance gives you peace of mind that your essential machinery is always protected.
Tractors face unique risks - from mechanical breakdowns and hydraulic failures to theft, fire, and accidental damage during fieldwork. Additionally, tractors used on public roads require specific insurance to meet legal requirements. By getting tractor insurance early, you protect your investment from day one.
- ✓Cover against theft, fire, and accidental damage
- ✓Protection for road use and third-party liability
- ✓24/7 breakdown and recovery assistance
- ✓Replacement machinery hire during repairs
Compare Tractor Insurance: Video Guides
Learn more about tractor and agricultural vehicle insurance with these helpful video guides. Understanding how tractor insurance works helps you make an informed decision.
Agricultural Insurance: Is It Worth It?
Expert breakdown of tractor insurance pros and cons
How to Choose Tractor Insurance
Step-by-step guide to selecting the right policy
New Tractor Owner's Guide
Everything you need when buying your first tractor
Videos sourced from YouTube. We recommend also visiting NFU, Farmers Weekly, and HSE Agriculture for authoritative farming advice.
Compare Tractor Insurance Costs: How Much Does It Cost?
Tractor insurance costs vary based on type, age, value, usage, and coverage level. Use our interactive calculator to get an instant estimate, or explore our detailed pricing guide.
Average Monthly Costs by Plan Type
Insurance Plan Comparison
How Age Affects Insurance Cost
How Age Affects Insurance Cost
Get Your Personalised Tractor Insurance Quote
£25-£50
Basic Cover
Third-party only, field use
£50-£120
Standard Cover
Theft + damage, most popular
£120-£300+
Comprehensive
Full cover including breakdown
Compare Tractor Insurance Plans
Not sure which plan is right for your tractor? Compare Tractor Insurance options side-by-side to find the perfect balance of coverage and cost for your needs.
| Feature | Basic £15/mo | Standard £35/mo | Premium £55/mo | Comprehensive £85/mo |
|---|---|---|---|---|
| Accident Coverage | ✓ | ✓ | ✓ | ✓ |
| Illness Coverage | — | ✓ | ✓ | ✓ |
| Emergency Care | ✓ | ✓ | ✓ | ✓ |
| Prescriptions | — | ✓ | ✓ | ✓ |
| Surgery | — | ✓ | ✓ | ✓ |
| Routine Care | — | — | ✓ | ✓ |
| Dental Care | — | — | ✓ | ✓ |
| Hereditary Conditions | — | — | ✓ | ✓ |
| Alternative Therapies | — | — | — | ✓ |
| Behavioral Therapy | — | — | — | ✓ |
Basic
£25/mo
Up to £25,000/year
- ✓ Third-party liability
- ✓ Fire coverage
- ✓ 24/7 helpline
Standard
£75/mo
Up to £75,000/year
- ✓ Theft & accidental damage
- ✓ Road use cover
- ✓ Breakdown assistance
Premium
£150/mo
Up to £150,000/year
- ✓ All Standard features
- ✓ Hire replacement cover
- ✓ Attached implements
Comprehensive
£250/mo
Up to £500,000/year
- ✓ Everything covered
- ✓ Zero excess option
- ✓ Fleet discount available
Compare Tractor Insurance: Finding the Best in 2025
The best tractor insurance isn't always the cheapest - it's the one that provides the right coverage for your specific machine and usage. Here's what to look for:
Agreed Value Cover
Ensures you receive the full agreed value in case of total loss, not a depreciated market value.
Road & Field Use
If your tractor travels between fields on public roads, you need road-use cover to meet legal requirements.
Implements & Attachments
Make sure ploughs, loaders, mowers, and other attachments are covered under your policy.
Hire Replacement
The best policies cover the cost of hiring a replacement tractor while yours is being repaired.
Compare Tractor Insurance: Cheap Options That Don't Compromise
Looking for cheap tractor insurance? You don't have to sacrifice quality for affordability. Here are proven ways to reduce your premium while maintaining solid coverage.
Increase Your Excess
Choosing a higher excess (£500-£1,000) can reduce monthly premiums by 15-30%.
Pay Annually
Annual payment often saves 10-15% compared to monthly direct debit.
Fleet Discount
Insuring multiple tractors or vehicles with the same provider qualifies for 10-20% discount.
Secure Storage
Keeping your tractor in a locked barn or compound can reduce theft premiums significantly.
Limited Road Use
If your tractor stays on private land, field-only policies are much cheaper than road-use cover.
Compare Providers
Prices vary significantly between insurers. Always compare at least 5 specialist agricultural quotes.
A Warning About "Too Cheap" Insurance
Be cautious of policies under £20/month - they often have severe limitations like third-party only cover, no theft protection, or very low payout limits. A single engine rebuild can cost £5,000-£15,000, so make sure your "cheap" policy actually covers what you need.
Compare Tractor Insurance by Type
Different tractor types have different risks and insurance costs. Explore our type-specific guides to understand what coverage your machinery needs and how much you'll pay.
Premium Multiplier by Tractor Risk Category
Insurance Costs by Tractor Type Risk
medium riskFarm Tractor Insurance
The workhorse of British farming. High-value machines prone to mechanical wear and theft.
high riskVintage Tractor Insurance
Classic and collectible tractors requiring specialist agreed-value cover.
low riskCompact Tractor Insurance
Smaller machines for smallholdings and estates with lower premiums.
medium riskUtility Tractor Insurance
Versatile all-rounders used for multiple tasks across the farm.
low riskMini Tractor Insurance
Sub-compact machines for gardens and small properties with affordable cover.
low riskGarden Tractor Insurance
Domestic garden tractors and ride-on equipment for private use.
low riskRide-on Mower Insurance
Ride-on mowers and groundcare equipment for larger gardens and estates.
Other Machinery
We also cover combine harvesters, telehandlers, ATVs, and more farm machinery.
How to Compare Tractor Insurance and Choose Right
Follow our step-by-step guide to find the perfect policy for your tractor. Making the right choice now saves thousands in the long run.
Assess Your Tractor's Value
Know your tractor's current market value. New machines need comprehensive cover, while older tractors may only need third-party. Get a professional valuation for vintage models.
Determine Usage Requirements
Field-only use is cheaper to insure. If you drive on public roads between fields, you legally need road-use cover. Commercial haulage needs specialist policies.
Consider Attachment Cover
Ploughs, loaders, sprayers, and trailers can be worth thousands. Make sure your policy covers all attached and detached implements.
Compare Specialist Providers
General insurers often don't understand agricultural needs. Use specialist farm insurance brokers who know the sector and can offer tailored policies.
Check Security Requirements
Many insurers require specific security measures - immobilisers, GPS trackers, locked storage. Meeting these requirements upfront avoids claim rejections later.
Review Breakdown Cover
During harvest or planting season, a breakdown can cost you thousands in lost time. Good breakdown cover with rapid response is essential for working farms.
Ready to Protect Your Tractor?
Chat with Tracker, our AI insurance advisor, to get personalised recommendations for your specific machine and usage.
Compare Tractor Insurance: Understanding Different Policy Types
Before you buy, it's crucial to understand the different policy types available in the UK market. Each type offers varying levels of protection at different price points.
Comprehensive Cover
Best for high-value machinery
Comprehensive tractor insurance is the gold standard of cover. It protects against theft, fire, accidental damage, malicious damage, and third-party claims. Most policies also include breakdown assistance and replacement hire.
For new or high-value tractors, comprehensive cover ensures you receive the full agreed value in case of a write-off. This is particularly important for modern machines with GPS guidance systems, precision farming technology, and other expensive integrated equipment.
Third-Party, Fire & Theft
Mid-range protection
TPFT policies cover you against theft, fire damage, and any damage or injury caused to third parties. However, accidental damage to your own tractor is not covered.
This type is a good middle ground for tractors that are a few years old where the replacement cost is moderate. If your tractor is stolen or catches fire, you're covered. But if you accidentally reverse into a gatepost or roll the machine, you'll pay for repairs yourself.
Third-Party Only
Legal minimum for road use
Third-party only is the minimum legal requirement for any tractor used on public roads. It covers damage or injury you cause to other people, their vehicles, or property - but nothing on your own tractor.
This is the cheapest option but leaves your own machine completely unprotected. Only consider this for very old, low-value tractors where the cost of comprehensive cover exceeds the machine's value. Remember: even basic repairs can cost £1,000+.
Fleet/Farm Policy
Best for multiple machines
Fleet policies cover all your agricultural vehicles under one policy. This typically includes tractors, combine harvesters, telehandlers, ATVs, and other farm machinery - often at a significant discount compared to insuring each separately.
Fleet policies are ideal for farms with 3+ vehicles. They simplify administration with one renewal date and one point of contact. Many also include automatic cover for new additions to your fleet for 30 days, giving you time to formally add new machines.
Our Recommendation
For most tractor owners, we recommend comprehensive cover with agreed value protection. The cost of a single major repair or theft far exceeds a year's premiums. If you have multiple machines, a fleet policy offers the best value and simplest management.
What Tractor Insurance Doesn't Cover
Understanding exclusions is just as important as knowing what's covered. Here are the most common things that tractor insurance policies won't pay for:
Wear & Tear
Normal mechanical wear, gradual deterioration, and routine maintenance are never covered. Insurance is for sudden, unexpected events only.
Tyres (Unless Damaged by Accident)
Tyre replacement due to punctures, wear, or blowouts is typically excluded unless it results from an insured accident or collision.
Unlicensed Road Use
If your policy is for field use only and you have an incident on a public road, your claim will be rejected. Ensure your cover matches your usage.
Inadequate Security
Theft claims may be rejected if you haven't met security requirements - locked storage, immobiliser, or GPS tracker as specified in your policy.
Unqualified Operators
Damage caused by operators without proper training, licensing, or authorisation to use the machine will typically not be covered.
Consequential Loss
Lost income from crops not harvested, or contracts not fulfilled because your tractor broke down, is not covered unless you have specific business interruption add-ons.
Type-Specific Exclusions to Watch
Some insurers have specific exclusions based on tractor type. Always check for these:
- • Vintage tractors: Rally/show use may need separate event cover
- • High-HP machines: Some insurers limit cover above 300HP
- • Modified tractors: Aftermarket modifications may void cover
- • Hired-in machines: Usually need separate hire-in plant cover
Keeping Your Tractor in Top Condition
While insurance protects you financially, proper maintenance prevents breakdowns and can lower your premiums. Here are expert tips to keep your tractor running smoothly.
Regular Servicing
Follow the manufacturer's service schedule. Regular oil changes, filter replacements, and inspections prevent major failures and maintain your warranty. Keep all service records as proof for insurers.
Hydraulic System Care
Check hydraulic fluid levels and condition regularly. Look for leaks around hoses, cylinders, and connections. Hydraulic failures are one of the most common and expensive repairs.
Security Measures
Fit an immobiliser and GPS tracker. Store in a locked building overnight. Good security not only prevents theft but can significantly reduce your insurance premium.
Tyre Maintenance
Check tyre pressures regularly - incorrect pressure causes uneven wear, reduces traction, and increases fuel consumption. Inspect for cuts, cracks, and embedded objects before each use.
Electrical Checks
Test all lights, indicators, and warning systems regularly - especially before road use. Check battery terminals for corrosion and ensure the alternator is charging properly.
Cooling System
Keep radiators and grilles clear of debris. Check coolant levels and condition. Overheating causes catastrophic engine damage - clean the radiator after dusty fieldwork.
The True Cost of Tractor Repairs in 2025
Tractor repair costs have increased significantly. Understanding typical costs helps you appreciate the value of insurance:
- Engine overhaul£5,000-£15,000
- Transmission rebuild£3,000-£8,000
- Hydraulic pump replacement£1,500-£4,000
- PTO repair£800-£2,500
- GPS/Autosteer system£8,000-£25,000
- Complete cab replacement£10,000-£30,000
How to Make a Tractor Insurance Claim
Knowing how to claim properly ensures you get reimbursed quickly. Here's what you need to know before your tractor needs a claim.
Report the Incident
Contact your insurer immediately. For theft, also report to the police and get a crime reference number. Take photos of any damage.
Complete Claim Form
Fill out your insurer's claim form with full details of the incident, including date, time, location, and circumstances.
Provide Evidence
Submit photos, repair quotes, police reports, and any witness details. The more evidence you provide, the faster your claim will be processed.
Receive Settlement
Claims are typically processed within 10-20 working days. Payment covers repairs or replacement value minus your excess.
Tips for Faster Claims
- ✓ Keep all purchase receipts and service records
- ✓ Take photos of your tractor in good condition for reference
- ✓ Report theft to police within 24 hours
- ✓ Get at least two repair quotes from approved engineers
- ✓ Respond quickly to any follow-up questions from your insurer
- ✓ Know your policy excess and coverage limits
Common Reasons Claims Are Rejected
- ✗ Security requirements not met (no immobiliser, unlocked)
- ✗ Claim submitted after deadline
- ✗ Maintenance-related failure (wear and tear)
- ✗ Unlicensed operator was driving
- ✗ Tractor used outside policy terms (e.g. road use on field-only policy)
- ✗ Modifications not declared to insurer
Compare Tractor Insurance: Frequently Asked Questions
Get answers to the most common questions about insuring your tractor.
Do I need insurance for my tractor?▼
What does tractor insurance cover?▼
How much does tractor insurance cost per month?▼
Is tractor insurance different from regular vehicle insurance?▼
Can I insure a vintage tractor?▼
Are my tractor attachments covered?▼
What security do I need for tractor insurance?▼
Can I get a fleet discount for multiple tractors?▼
Compare Tractor Insurance and Protect Your Tractor Today
Don't wait until it's too late. Get a free, personalised quote in minutes and give your machinery the protection it deserves.
Comparison site only. We help you find the best quotes - always consult authorised providers before purchasing.