Tractor insurance for road, field and yard
Your tractor is one of the biggest assets on the farm, and probably the hardest-worked. We arrange cover from insurers who understand farming, for the way it's actually used: road runs between fields, off-road work, ploughing matches and all.
- Comprehensive, TPFT and third-party only
- Road risk and off-road agricultural use
- Modern, compact and vintage tractors accepted
- Agreed value available for specialist machines
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Tractor cover at a glance
What you get
- Comprehensive, third-party fire & theft, or third-party only
- Theft, accidental damage and fire
- Third-party liability included
- Road risk between fields, farms and sites, plus off-road work
- Modern working, compact, vintage and specialist tractors
- Agreed value option for vintage and specialist machines
What's not covered
- Wear and tear or mechanical breakdown
- Racing or competitive events, unless declared
- Damage caused by unapproved modifications
- Drivers without the appropriate licence or experience
- Implements and attachments: these may need separate cover
Ploughs, trailers and other attachments aren't automatically on the policy. Tell us what the tractor pulls and we'll make sure nothing is left swinging.
The legal bit for road-going tractors
If your tractor goes on the public road at all, even the half-mile between the yard and the far field, it legally needs at least third-party insurance, the same as any other vehicle. Our policies include road risk for exactly that kind of use: travelling between fields, farms and sites as part of a normal working day.
A tractor that never leaves the farm still carries real risk. Theft of agricultural machinery is the obvious one, but fire and liability matter too: a tractor is a serious piece of kit to lose and a serious thing to have an accident with. Off-road agricultural cover protects against theft, fire, accidental damage and third-party liability even when the machine never touches tarmac.
Working tractor or classic? It changes the policy
A modern tractor earning its keep every day needs working cover: road risk, off-road use, liability, and options for contractors. A vintage tractor that comes out for ploughing matches and shows is a different proposition: its value lies in restoration and rarity, not its market price, which is where agreed value cover comes in. You and the insurer agree the machine's worth when the policy starts, and that's what gets paid if it's written off, rather than a depreciated market value.
We arrange both, and plenty in between: modern working tractors, compacts, vintage models and specialist agricultural vehicles, singly or as a fleet. If yours is a classic that's retired from commercial work, our dedicated classic tractor policy is usually the better fit; if it still works for a living, this is the page you want.
Implements, attachments and the small print
Two things catch tractor owners out at claim time. First, implements and attachments: ploughs, trailers and other equipment may need separate cover depending on the policy, so tell us what the tractor actually runs with and we'll check it's included. Second, modifications: damage caused by unapproved modifications isn't covered, so declare any changes honestly when you take the policy out.
Ploughing matches and agricultural shows are part of tractor life, and our policies can cover them; competitive events just need to be declared. Whatever the setup, the quickest route to a straight answer is a call to 01323 416706.
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 FAQsDo I legally need insurance for a tractor?
If the tractor is used on public roads, yes: at least third-party insurance is a legal requirement. For off-road-only agricultural use there's no road-traffic requirement, but cover still protects you against theft, fire and liability, which are the risks that actually hurt. Call 01323 416706 for a quote either way.
What types of tractors do you insure?
Modern working tractors, compact tractors, vintage tractors and specialist agricultural vehicles, road-legal and off-road-only alike. If yours is a classic kept for shows rather than work, our classic tractor policy with agreed value is usually the better fit.
Does the policy cover road use between fields?
Yes. Road risk cover is included, covering the tractor while it travels on public roads between fields, farms or sites. That's exactly the sort of use these policies are built for.
Can I get agreed value on my tractor?
Yes. Agreed value means you and the insurer settle the tractor's worth when the policy starts; if it's later written off, you receive that agreed amount rather than a depreciated market value. It's most useful for vintage and specialist machines.
Are my plough, trailer and other attachments covered?
Not automatically: implements and attachments may need separate cover depending on your policy. Tell us what equipment the tractor runs with when you get a quote, or call 01323 416706, and we'll make sure it's accounted for.
How much does tractor insurance cost?
It depends on the tractor's value, age and use, and the level of cover you choose. A road-going modern tractor prices differently from an off-road-only compact. Get a quote online or call 01323 416706: free, no obligation.
Get the tractor properly covered
Road, field and yard: two minutes on the form, a callback at your chosen time, documents by email.