Row Of Green and Red Tractors

Tailored insurance that’s right for you

We have been protecting the farming industry since 1903.
We understand how vital agricultural vehicles are to your customers - farmers, contractors and smallholders.
We are here to help protect your business and to keep your customers moving. Our team of farming insurance experts knows that each motor trade business is different and will work with you to offer the specific insurance cover you need, that’s right for your business.

Our agricultural motor trade insurance provides:

  • Road Risks cover which provides comprehensive cover to you and your employees driving your own and your customers' vehicles when in your control for motor trade repair and servicing
  • A minimum of £5 million Public and Products Liability cover to protect you if the business is found to be at fault for an injury suffered to a member of the public or damage to their property
  • Up to £10m Employers Liability to protect you if you are found to be at fault for an injury suffered by an employee
  • Comprehensive cover for your buildings, machinery and contents, stock in trade including stock of vehicles for sale or in your custody for repair together with the option to cover goods in transit
  • The option to include business interruption to cover loss of gross profit resulting from an insured event at your premises.

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 makes you different from other insurers?

We live and work across the South West and are actively involved in the farming community.  Whether it’s local agricultural events, charities, young farmers or our boots on the ground, the Field Force team visiting our Members, we strive to gain a better understanding of our Members and potential sector challenges.

Working in your local area makes us easily accessible and better placed to provide an excellent service compared to other remote insurance companies.  Our Members are at the heart of everything we do and we strive to ensure they always know where they stand with us.

What is so special about being a Mutual company?

We have no shareholders and are owned by our Members. So any money that would otherwise be spent on dividend payments to shareholders is retained in the business, helping us continually improve our services.

That’s why we really can put our Members first at all times. This means a better service for you, based on our principles of fairness, honesty and transparency.

Is Cornish Mutual a broker or an agent?

Cornish Mutual is an independent Mutual Insurance Company. We are not a broker or an agent and underwrite our own insurance policies, therefore we provide a direct insurance service to our Members.

I have a part-time worker who is self employed. Do I need Employers’ Liability cover for them?

Yes. The policy definition of an Employee includes self employed people, employed for labour, while working for you in connection with the business.

If I would like to talk to someone about what my policy covers, who do I contact?

Please call our Member Services team on 01872 277151.

What should I do in the event of a claim?

Please visit our ‘How to make a claim’ page where you will find all of the information you need.