Agricultural fleet insurance: one policy for every vehicle on the farm
Tractors, the combine, the farm pickup, the goods van and the car that does the school run: if it works for the farm, it can sit on one fleet policy with one renewal date. Tell us what you run once, and we do the ringing round.
- Tractors, harvesters, cars and goods vehicles on one policy
- One renewal date, one point of contact
- Add or remove vehicles as the season changes
- Comprehensive, TPFT and third-party only options
Quote Request Received
Thank you! Our UK team will call you at your chosen time with your options.
Your reference: -
Prefer not to wait? Call us now on 01323 416706
Farm fleet cover at a glance
What you get
- One policy for all farm vehicles, with one renewal date
- Tractors, combine harvesters, ATVs and specialist agricultural machinery
- Private cars and goods-carrying vehicles run by the farm
- Comprehensive, third-party fire & theft, or third-party only
- Road risk and off-road cover for tractors
- Flexible driver options, with vehicles added or removed mid-policy
What's not covered
- Vehicles not declared on the policy
- Racing, track days or non-agricultural use
- Unlicensed or unqualified drivers
- Wear and tear or mechanical breakdown
- Vehicles not owned or operated by the farm
Fleet policies need a minimum of three vehicles. Running fewer than that? We arrange standalone tractor and horsebox cover too: same team, same number.
Why farms move everything onto one policy
A working farm collects vehicles the way a barn collects swallows: a tractor or two, the combine, a pickup, a goods van, the family car. Insure each one separately and you end up with a drawer full of policies, a scatter of renewal dates through the year, and a different insurer to argue with every time something happens. That's paperwork a farm doesn't need, usually at a price it doesn't need either.
An agricultural fleet policy puts everything under one roof: one policy, one renewal date, one point of contact. It's designed for fleets of three or more vehicles, in any mix: agricultural vehicles, tractors, private cars, goods-carrying vehicles and specialist farm machinery, road-legal and off-road alike. Insuring them together simplifies the admin and often brings the per-vehicle cost down as well.
Cover that moves with the farming year
Farm fleets don't stand still. Machinery gets bought at auction, old kit gets sold on, and what you run in harvest isn't what you run in February. Fleet policies are built for that: you can add and remove vehicles as your needs change through the year, without starting a new policy each time.
Road risk matters more than many people expect, too. Any tractor that travels between fields, farms or sites on the public road needs road cover; our policies cover tractors on the road as well as on private farmland. Driver options are flexible, so the policy fits how your farm actually staffs up, not how an insurer imagines it should.
Smallholdings to large arable operations
Vehicle Cover has been arranging agricultural fleet insurance since 2019, for everything from small family farms to large agricultural operations. We're an FCA-regulated broker and we work with specialist agricultural insurers who understand farming: the seasonal hours, the mixed fleets, the machinery that never sees tarmac. You explain the operation once, to a person, and we find the cover that fits it.
Get a quote using the form, or call us on 01323 416706 and talk it through.
From enquiry to insured in three steps
Tell us what you need
Fill in the two-minute form with the cover you're after and when to call you, or ring us directly on 01323 416706.
We search our panel
Our brokers match your details against a panel of UK insurers and call you back at your chosen time with the options and prices.
Covered the same day
Happy with a quote? We arrange the policy there and then, and email your documents the same day.
Questions drivers actually ask
Straight answers from the team that arranges this cover every day. Anything else? Call 01323 416706 and a human will pick up.
See all FAQsWhat is agricultural fleet insurance?
One policy covering all your farm vehicles, from tractors and harvesters to cars, vans and specialist machinery, with one renewal date instead of a separate policy per vehicle. It simplifies the admin and often reduces the per-vehicle cost. Call 01323 416706 for a quote.
How many vehicles do I need for a fleet policy?
A minimum of three. That can be any combination: two tractors and a pickup counts just as well as ten mixed vehicles. Under three, we'd arrange standalone policies instead, and we do those too.
What types of vehicles can go on the policy?
Agricultural vehicles, tractors, combine harvesters, private cars, goods-carrying vehicles and specialist farm machinery. Both road-legal and off-road vehicles can be included on the same policy.
Can I add or remove vehicles during the policy year?
Yes. Fleet policies are built to flex as the farm's needs change: bought a tractor at auction in March, sold the old van in September, both handled without starting a new policy.
Are tractors covered on the public road?
Yes. Our policies cover tractors on public roads as well as on private farmland. Road risk cover is essential for any tractor that travels between fields or sites, even a short run down the lane.
How much does agricultural fleet insurance cost?
It depends on the number of vehicles, what they are and what they're worth, your drivers, and the level of cover you choose. Get a quote online or call 01323 416706; quotes are free and there's no obligation.
Put the whole farm on one policy
Tractors, cars, vans and machinery: one renewal, one number to call. Two minutes on the form and our UK team calls you back.