Question 1

What does agricultural tractor insurance cover?

Accepted Answer

Coverage includes third-party liability, accidental damage, theft, fire, malicious damage, breakdown recovery, and attached implements. You can add cover for agricultural employees and business use.

Question 2

How much does tractor insurance cost?

Accepted Answer

Premiums vary significantly based on tractor value, usage, and security. Expect to pay £200-£800 annually for a standard farm tractor, with vintage and high-value models costing more.

Question 3

Is tractor insurance required by law?

Accepted Answer

Yes, if you use your tractor on public roads, you legally need at least third-party insurance. Even for private land use only, insurance is strongly recommended.

Question 4

Does it cover attached equipment and implements?

Accepted Answer

Yes, most policies cover permanently attached equipment. Towed implements like ploughs, harrows, and trailers can be added to your policy for additional premium.

Question 5

Can I insure vintage or classic tractors?

Accepted Answer

Yes, specialist policies are available for vintage and classic tractors with agreed value cover, show use, and restoration coverage tailored to collector needs.

Question 6

What about using tractors on public roads?

Accepted Answer

Road use is covered, but you must ensure your tractor is roadworthy, properly registered, and complies with DVLA regulations including lights, reflectors, and registration plates.

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