What does agricultural tractor insurance cover?

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.

How much does tractor insurance cost?

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.

Is tractor insurance required by law?

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.

Does it cover attached equipment and implements?

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

Can I insure vintage or classic tractors?

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

What about using tractors on public roads?

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.

Tractor Insurance

UK Agricultural Cover

Specialist Heritage Cover

Vintage Tractor Insurance UK

Specialist vintage tractor insurance and classic tractor insurance UK for collectors, enthusiasts, and working restorations. Protect your heritage machinery with cover designed for classic tractors.

Compare vintage tractor insurance quotes online. Cover for antique tractors, road runs, shows, and agricultural use.

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What Does Vintage Tractor Insurance Cover?

Classic tractor insurance provides specialist cover designed for the unique needs of vintage tractor owners. Unlike standard agricultural policies, vintage cover understands the true value of heritage machinery.

Agreed Value Cover

Unlike market value policies, vintage tractor insurance offers agreed value - your classic is insured for its true worth, not a depreciated amount. Essential for rare and restored tractors.

Road Runs & Rallies

Cover for road runs, tractor rallies, ploughing matches, and vintage shows. Classic tractor insurance UK policies understand enthusiast activities.

Restoration Cover

Protection during restoration projects. Cover your antique tractor while it's being rebuilt or stored awaiting restoration.

Spare Parts Cover

Protect your collection of vintage parts and spares. Original parts for classic tractors can be valuable and hard to replace.

Club Member Discounts

Many vintage tractor insurance UK providers offer discounts for tractor club members. Your club membership could save you money.

Light Agricultural Use

Some policies cover light agricultural work on your own land. Use your classic for hay making, small-scale farming, or estate work.

Classic Tractor Makes We Insure

Our specialist vintage tractor insurance covers all classic and heritage makes. From grey Fergies to Field Marshalls, we can find cover for your classic.

Ferguson

TE20TEA20TED20TEF20FE35

Fordson

MajorDextaSuper MajorPower MajorN

David Brown

88099099599612101212

Massey Ferguson

3565135165175185

International Harvester

B250B275B414434444

Nuffield

Universal10/4210/604/65

Field Marshall

Series ISeries IISeries III

John Deere

1020202030204020Lanz

Ford

20003000400050007000

Leyland

154245255270344

Plus many more including Allis-Chalmers, Case, Zetor, Renault, Fiat, Same, and other classic makes.

Vintage Tractor Insurance Cost

How much does vintage tractor insurance cost? Classic tractors are often cheaper to insure than modern machines due to lower values and limited use.

£80-£150

Show & Display Only

Third party cover for static display, occasional road runs to shows, no agricultural use

£150-£300

Road Runs & Light Use

Comprehensive cover for road runs, rallies, ploughing matches, and light agricultural work

£250-£500

Working Vintage

Full cover for vintage tractors used regularly for agricultural work on your own land

*Indicative prices. Actual vintage tractor insurance cost depends on value, use, and individual circumstances.

Vintage Tractor Insurance FAQ

What counts as a vintage tractor?

Most insurers class tractors over 25-40 years old as vintage or classic. However, definitions vary - some focus on age, others on the tractor no longer being in regular production. Post-war tractors from the 1940s-1980s typically qualify for vintage tractor insurance.

Can I use my vintage tractor on the road?

Yes, with the right insurance. Most vintage tractor insurance policies include cover for road runs and travel to shows. You'll need at least third party cover for road use. Many classic tractors are exempt from MOT if built before 1960, but still need insurance and road tax (often free for agricultural vehicles).

Is vintage tractor insurance cheaper than modern?

Often yes. Vintage tractors typically have lower values than modern machines, are used less frequently, and are driven more carefully by enthusiast owners. This means vintage tractor insurance cost is often lower than covering a £50,000+ modern tractor. However, rare or fully restored classics with high agreed values may cost more.

Can I get vintage tractor insurance online?

Yes, you can get vintage tractor insurance online. Many specialist insurers offer online quotes and purchasing. Our comparison service lets you get multiple vintage tractor insurance quotes quickly and easily, helping you find the best cover for your classic.

Do I need insurance for a tractor in a barn?

While not legally required for a non-road-going tractor, insurance is strongly recommended. Your vintage tractor could be stolen, damaged by fire, or affected by flooding. Many vintage tractors are valuable collector's items worth protecting with comprehensive cover even when stored.

Get Your Vintage Tractor Insurance Quote

Compare vintage tractor insurance UK quotes from specialist classic vehicle insurers. Protect your heritage machinery today.

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