Compare tractor insurance quotes from leading UK agricultural insurers. Our tractor insurance comparison helps you find the best tractor insurance at the right price.
Find cheap tractor insurance without compromising on cover. Compare quotes in minutes and save on your agricultural insurance.
Compare Quotes NowGetting the best tractor insurance deal requires comparing like-for-like. Here's how our tractor insurance comparison works:
Tell us about your tractor - make, model, value, and how you use it
We search our panel of specialist agricultural insurers for quotes
See prices and cover levels side-by-side to find your best option
Choose your policy and complete your purchase - often saving hundreds
When you compare tractor insurance, understanding cover levels is essential. Here's how the three main types compare:
| Factor | Comprehensive | Third Party F&T | Third Party Only |
|---|---|---|---|
| Cover Level | Full accidental damage, theft, fire, third party | Theft, fire, third party only | Third party only - legal minimum |
| Typical Cost | £400-£1,000+/year | £250-£500/year | £150-£300/year |
| Best For | High-value tractors, regular use | Mid-value tractors, secure storage | Low-value or off-road only tractors |
| Accidental Damage | ✓ Covered | ✗ Not covered | ✗ Not covered |
| Theft Cover | ✓ Covered | ✓ Covered | ✗ Not covered |
| Fire Damage | ✓ Covered | ✓ Covered | ✗ Not covered |
The best tractor insurance isn't always the cheapest. Here's what to look for when comparing policies:
The best tractor insurance matches your actual needs. Don't over-insure a low-value tractor, but don't skimp on cover for expensive machinery.
Check the excess (the amount you pay towards any claim). A very low premium might come with a high excess that makes small claims uneconomical.
Check who's covered to drive. Named driver policies are cheaper, but any driver cover may be needed for farms with employees or contractors.
If you use your tractor on public roads, ensure this is covered. Some policies limit road miles - check if you regularly travel between fields.
Check if attached implements are covered. Loaders, ploughs, and other equipment may need to be specifically listed for full protection.
The best tractor insurance providers have good claims handling. Read reviews and check if they understand agricultural claims.
Looking for cheap tractor insurance? These tips can help you save money on your agricultural insurance:
Don't accept the first quote. Use our tractor insurance comparison to see what different insurers offer - prices can vary by hundreds of pounds.
Store your tractor in a locked building, fit trackers and immobilisers. Good security can reduce premiums by 10-15%.
A higher voluntary excess means lower premiums. If you can afford to pay more towards a claim, you'll pay less upfront.
Monthly payments usually include interest charges. Paying your premium annually can save 5-10% on cheap tractor insurance.
Insuring multiple tractors or combining with farm insurance often attracts multi-policy discounts from agricultural insurers.
Policies with limited road mileage are often cheaper. If your tractor rarely leaves the farm, let your insurer know.
When you compare tractor insurance, consider these specialist UK agricultural insurers:
Whole-farm policies, local agents
Agricultural specialists
Competitive pricing, online quotes
Southwest focus, mutual benefits
Contractor cover specialists
High-value machinery, estates
Our comparison service searches multiple insurers to find you the best tractor insurance deals.
Compare tractor insurance quotes from specialist UK agricultural insurers. Find the best tractor insurance at a price that works for you.
Compare Quotes Now