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Tractor Insurance

Tractor Insurance

Tractor Insurance — Protect Your Agricultural Vehicle

Tractor insurance covers your tractor against theft, accidental damage, fire, and third-party liability — whether you use it for agricultural work, ploughing matches, or road travel between sites. Your tractor is a huge asset that plays a significant part in your business, so it is essential to ensure you are properly covered to keep things running smoothly.

At Vehicle Cover, we provide tractor insurance for agricultural use, road risk, and off-road work. Our policies cover modern working tractors, vintage models, and specialist agricultural vehicles. We offer comprehensive, third-party fire and theft, or third-party only cover, with options for agreed value on vintage tractors and liability cover for contractors.

Whether you own one tractor or a fleet, Vehicle Cover will find the right cover.

Get a quote online or call us on 01323 416706.

Why Our Tractor Insurance

1. Comprehensive, TPFT, or third-party only cover
2. Road risk and off-road agricultural use
3. Theft, accidental damage, and fire cover
4. Third-party liability included
5. Vintage and modern tractors accepted
6. Agreed value option for specialist vehicles

What's NOT Covered

1. Wear and tear or mechanical breakdown
2. Use for racing or competitive events (unless declared)
3. Damage caused by unapproved modifications
4. Drivers without appropriate licence or experience
5. Implements and attachments (separate cover may apply)

Key Features of Our Tractor Insurance

Your tractor is essential to your livelihood. Vehicle Cover provides specialist tractor insurance that covers the risks of agricultural work — from road travel to field operations.

Road Risk & Off-Road

Whether your tractor travels on public roads between sites or works exclusively on farmland, our policies cover both road risk and off-road agricultural use.

Agreed Value Available

For vintage or high-value tractors, agreed value cover ensures your payout reflects the true worth of your vehicle — not a depreciated market value.

Vehicle Cover works with specialist agricultural insurers who understand farming. Whether you run a small holding or a large arable farm, our tractor policies are built for the demands of agricultural work.

Modern working tractors and specialist vehicles
Vintage and classic tractors
Ploughing matches and agricultural shows
Single tractors or fleet policies
Tractor Insurance key features
● DETAILS

Additional Tractor Insurance Details

Everything you need to know to get the right cover

Our tractor insurance is there when you need it, whether you use your tractor for agricultural purposes, plowing matches, or just as a vintage collector. Our specialist team will help you getthe right cover for your tractor.

Your tractor, your livelihood. At UK Sure, we understand that tractors and agricultural vehicles are integral to your livelihood.

They are huge assets and play a significant part in many businesses, so it's essential to ensure you're covered to help keep things running smoothly should the worst happen.

As an insurance broker, we work with a panel of insurers tohelp you find the right policy for your needs. We're also at your side if you need to make a claim, helping liaise directly with the insurer so you can focus on your business.

Get a quote today, and let's get started!

Tractor insurance covers your vehicle against theft and vandalism. Various policies are available to provide you with the desired cover.

Tractor insurance isn't necessarily a legal requirement if you solely use it on your land. However, tractor insuranceis a worthy investmentto protect your assets against unexpected circumstances.

Covering the cost of lost or damaged vehicles can have a significant financial and emotional impact, which insurance can help to soften. Insurance may also be mandatory if you have used a loan to help pay for your tractor.

Tractors we cover: We can provide insurance cover for all makes of tractor including John Deere, Massey Ferguson, Ferguson, New Holland, Case, Claas, Fendt, Valtra, David Brown, Deutz, Nuffield, Zetor, Field Marshall, Mc Cormick, Ford, Fordson, Landini, Leyland, Kubota, JCB, Same, Lamborghini, Mahindra, Ursus, Dong Feng, Kioti, Shire!

Farmers and landowners worldwide use tractors to help with agricultural work. Many people also take vintage and classic tractors to showcase at rallies and events. Unfortunately, these heavy-duty vehicles can cause substantial damage to property and people if misused or in accidents. As tractors have evolved into modern form, they have become faster and more powerful, with a range of expensive gadgets and extras. Despite the numerous benefits, these improvements can increase the risks involved in working with these kinds of vehicles. Newer tractors are also more valuable, increasing their chance of getting stolen. Your tractor may be an essential part of your job, making damage or legal fees all the more difficult to deal with if you cannot work for an extended period. In such instances, tractor insurance can give you peace of mind and let you know that you have some financial help to ease the burden should the worst happen. Insurance can help cover legal fees and fund a replacement tractor or parts. You can alsofind a tractor fleet policythat covers other vehicles on your land, such as 4x4s, vans, and diggers.

Tractor insurance covers the vehicle and, depending on the policy,may also cover trailers and accessories. This insurance could include add-ons such as horse and livestock trailers. The insurance will also cover spare parts and any personal belongings 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 land. However,you will need road insurance if you take the tractor off your land.

There are three types of covers 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 if your tractor is stolen or damaged.

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 cover out of the three. As with the previous policy, you will be covered for third-party, fire, and theft. You will also be covered if you are involved in an accident or your tractor is damaged due to vandalism.

Choosing the right insurance company involves several things. Go for insurers that specialise in agricultural vehicles as they understand tractors. These specialist agricultural insurers can give you tailored cover to suit your needs.

Also, consider the insurer’s claims process and customer service reputation. You want to know you’ll get personal service when you need it for a smooth insurance experience. Choose your insurer carefully, and you’ll get the best cover for your tractor.

Knowing the different cover options, from comprehensive to agreed value to limited mileage discounts, means you can choose the right tractor cover for your needs. Personalised quotes and event cover add to your protection.

In summary, choosing the right insurer and knowing what affects the cost of insurance will get you the best cover for your vehicle.

  • cover for tractor up to £250,000
  • Great Breakdown Cover
● FAQS

Frequently asked questions

1. Do I need insurance for a tractor?

Yes. If your tractor is used on public roads, you are legally required to have at least third-party insurance. Even for off-road agricultural use, insurance protects against theft, fire, and liability. Call 01323 416706 for a quote.

2. What types of tractors do you insure?

We insure modern working tractors, vintage tractors, compact tractors, and specialist agricultural vehicles. Both road-legal and off-road-only tractors are covered.

3. Does tractor insurance cover road use?

Yes. Road risk cover is included in our tractor policies, covering your tractor while travelling on public roads between fields, farms, or sites.

4. Can I get agreed value for my tractor?

Yes. Agreed value cover means you and the insurer agree on the tractor's value when the policy starts. If it is written off, you receive the agreed amount rather than market value.

5. Are implements and attachments covered?

Implements and attachments may need separate cover depending on your policy. Call 01323 416706 to ensure your ploughs, trailers, and other equipment are included.

6. How much does tractor insurance cost?

The cost depends on the tractor's value, age, use, and the level of cover. Get a quote online or call 01323 416706 for a competitive price.

7. How much is tractor insurance?

Tractor insurance costs vary greatly depending on factors like the tractor's value, usage, and the level of cover you choose. However, for basic third-party cover, expect to pay around £25 per month, while comprehensive cover can cost £50 or more.

8. Can I insure multiple tractors under one policy?

Yes, you can insure multiple tractors with one policy using a multi-vehicle policy, which may also offer you a discount.

9. At what age can I drive a tractor in the UK?

In the UK, you can drive an agricultural tractor on the road at 16 with a Category F licence, but with restrictions on width and trailer type, and at 17 without restrictions. Here's a more detailed breakdown: Age 16:You can obtain a provisional Category F licence at 16, which allows you to drive an agricultural tractor on the road, but only for agricultural purposes or to/from a Category F driving test. Restrictions at 16:You can only drive tractors with a maximum width of 2.45 meters. You can tow trailers with a maximum width of 2.45 meters, and either 2 wheels or 4 close-coupled wheels. You cannot practice driving on the road, except to/from a driving test. Age 17:At 17, you can drive any agricultural tractor on the road and tow any trailer, without the restrictions that apply at 16. You must hold a full Category F licence to drive a tractor on the road

10. I need to insure my tractor?

Yes, tractor insurance is legally required if you use your tractor on public roads. Even if it's solely used on private property, insuring it is advisable due to the high cost of such equipment and the potential costs associated with accidents or theft.

11. What insurance cover do I need for a tractor?

If you operate a tractor on public roads or outside your property, you are legally required to have at least third-party agricultural vehicle insurance.

12. Which type of insurance cover is best for tractors?

A comprehensive motor insurance is ideal as it covers loss or damage from theft and provides cover for damages resulting from natural disasters like floods and earthquakes.

13. Do tractors need an MOT?

In the UK, tractors used solely for agriculture, horticulture, or forestry (and eligible for agricultural tax) are exempt from MOT testing. Here's a more detailed explanation: Exemptions:Tractors are exempt from MOT testing if they are used solely for agricultural, horticultural, or forestry purposes and are taxed in the agricultural tax class. Roadworthiness:While exempt from MOT, tractors must still be roadworthy and safe to operate. Other Tax Classes:Tractors taxed in any other tax class (not agricultural) are required to hold a valid goods vehicle testing certificate. Limited Use Vehicles:Vehicles used only on public roads that pass between different areas of land occupied by the same person and travel distances not exceeding 1.5km in each trip are exempt from vehicle tax, but still need a vehicle licence renewal each year. Historic Vehicles:Historic (classic) vehicles that were first registered more than 40 years ago and have not undergone substantial changes in the last 30 years are also exempt from MOT.

14. How does tractor insurance function?

Tractor typically covers replacement or repair costs if your tractor is stolen or vandalized, up to a specified limit. Depending on your policy, it may also cover repairs due to specific incidents.

15. Can you drive a vintage tractor on public roads?

In the UK, agricultural vehicles can be driven on public roads for distances, typically up to 1.5 kilometers, when traveling between fields and farms.

16. Can I operate a tractor with my car driving licence?

Yes, passing a standard car driving test (category B) grants you the entitlement to drive agricultural tractors.