With tractors a fundamental part of so many farming operations, we know it's vital you are back on the job as soon as possible if something goes wrong. 
From tractors and trailers to combines and balers, our specialists can provide tailored insurance cover to meet your needs. 

Our comprehensive tractor insurance provides:

  • Up to 6 agricultural vehicles covered under one policy
  • £100,000 Legal Expenses insurance which will help you to reclaim uninsured costs after an accident which was not your fault
  • Cover includes your legal liability arising from an accident involving your vehicle
  • Protection for your own vehicle, trailers and implements against fire, theft and accidental damage
  • For vehicles under one year old when written off or stolen we will replace it with a new one
  • Unspecified trailers and implements up to the value of £50,000 covered automatically

As a mutual organisation, we’re owned by our Members, not shareholders. So, when you speak with one of our advisors, you’re not dealing with a commission-driven salesperson. You’re talking to a local specialist always ready with hands-on advice, assistance and answers you need, whenever you call on them.  

We’d love to talk to you, so for further information or to arrange a quote on our farm insurance please give us or your local advisor a call. Want us to phone you? Simply click on the link and we will call you at a time that works best for you. We are always happy to help.  

Frequently asked questions

What's the difference between farm and agricultural vehicle insurance?

An agricultural vehicle policy only covers the vehicle itself and any liability arising from driving it on the road. Your farm insurance covers liability for damage or injury caused when the vehicle is being used as a working tool. For example, if you are ploughing a field and a stone is thrown up, causing injury to a person or damage to their property, this would typically be covered under the farm insurance policy rather than the agricultural vehicle policy.

If my agricultural vehicle is not road registered do I still need insurance?

The Road Traffic Act requires users of motor vehicles to have third party cover on a road or in a public place. This can mean, in certain circumstances, that the requirement to insure extends to farm lanes and yards, footpaths, bridleways and cycle tracks, as well as many farm lanes and driveways on private land. So, it is recommended you have the relevant insurance cover.

You should also consider the risk of fire, theft or accidental damage to the vehicle which would not be covered by any other type of insurance. 

Are my trailers and implements covered?

Yes, you have cover for trailers and implements up to £100,000. Please speak to our Member Services team if you have any questions – 01872 277151.

I’ve been asked to use my tractor to tow a float at a local carnival. Am I covered under my Agricultural Vehicle Policy?

Our standard Agricultural Vehicle Policy covers the activities you told us about when you took out your insurance. If you’re planning to use your vehicle for anything outside of that, we suggest calling our Member Services team on 01872 277151 who will advise you of any additional information we may require to consider this. 

Do you provide legal expenses cover for tractors?

Yes, however please note the Motor Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company.

What should I do if my windscreen is cracked or needs replacing?

If your windscreen is cracked or needs replacing, we have an automated service in place with National Windscreens and Autoglass.
AutoGlass have an automated Cornish Mutual line which is 0344 2480 085.
National Windscreens is a national line and is 0800 373 171.
You can also contact any garage or approved automated service.

Does agricultural vehicle insurance cover GPS equipment theft?

Yes, if permanently fixed to the vehicle and included within the value of the vehicle. However, if interchangeable between vehicles, it is not and should be included within a farm or commercial insurance policy. 

Cyber Assistance Helpline
Do you have any cyber-related questions or need advice on how to protect yourself or your family from cyber incidents?

The Cornish Mutual Cyber Assistance Helpline provided through the cyber protection specialists at Cyberscout, a TransUnion brand, is here to help.

Call 0808 189 2300

Tratford Farm Cornwall Looe owner with Local Insurance Advisor

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Upcoming Events

Wednesday 18th November

Have a cuppa on us - Holsworthy Livestock Market

9:30am - 11:30am | Holsworthy Livestock Market Cafe

Saturday 21st November

The Cornish Winter Fair

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