Tractor Insurance

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

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.


Tratford Farm Cornwall Looe owner with Local Insurance Advisor

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Tratford Farm

Andrew Julian and his wife Hannah are sheep, beef and dairy farmers based in Looe. Find Out More

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