Motor Fleet Insurance

Name: Cornish Mutual
Address: Cornish Mutual Assurance Co Ltd, Newham Rd, Truro, Cornwall, TR1 2SU, GB
Telephone: 01872 277151

We do the right thing by you.

From your combines to your 4x4s, we know how challenging it can be to get all your agricultural vehicles covered under one policy and how essential they are to your business.

Choosing the right protection for your vehicles is one of the most important decisions you can make, so we have tailored a policy with you in mind.

Our agricultural motor fleet insurance policy gives you the flexibility and control needed to manage six or more vehicles.

Knowing you have the right protection in place and us on hand, will give you the peace of mind and reassurance you need, allowing you to focus on the needs of your business.

Our agricultural motor fleet insurance provides:

Comprehensive cover provided on all insured vehicles
Insurance cover is provided on an “any driver” basis which allows flexibility in running your farming business
Cover includes vehicles temporarily hired, loaned or borrowed by the business
Cover includes your legal liability arising from an accident involving your vehicle
New for old vehicle replacement for most vehicles less than 12 months old
No charges for mid-term adjustments (exceptions can apply)
Motor Legal Expenses up to £100,000 which will help you to reclaim uninsured costs after an accident which was not your fault
The option of reducing your premiums by choosing a higher voluntary claims excess

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.

It made a big difference that our local insurance advisor actually came here to talk to us and see what we were doing. We’ve seen him three or four times now so he knows our business requirements and has given us the confidence to insure with them. We’re happy with the service we’ve been receiving and the face-to-face contact definitely helped our decision.

James Martin & George Pascoe, Phelleigh Way

Cornwall

Our local insurance advisor lives less than a mile away and knows the area and our business very well. We use Cornish Mutual because they know the industry and they understand what we do.

Richard and Sarah Jones, Smeaton Farm

Cornwall

Frequently asked questions

What is the standard excess for Agricultural Motor Fleet?

The standard excess for an Agricultural Motor Fleet is £250, however an additional standard excess will be applied for drivers under 25 driving cars or goods-carrying vehicles.

What does Comprehensive Cover include?

Comprehensive cover includes:
• Third-party liability
• Fire and theft damage to your own vehicle
• Accidental damage to your own vehicle

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.

Are trailers and implements covered under the policy?

Trailers and implements will be covered, attached to and detached from your agricultural vehicle, up to £100,000 on Agricultural Fleet policies.

Do you provide breakdown cover?

Breakdown cover, if selected, applies to a car or goods-carrying vehicle, not the driver.
If you would like to add breakdown cover, please get in touch.
We offer:
• UK breakdown cover
• European breakdown cover (Not available for vehicles older than 10 years)