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What is included on an agricultural plant fleet insurance policy?
Agricultural plant fleet insurance policies can vary depending on your specific needs; however, in general, they include cover against:
- Water damage
- Malicious damage
What farm vehicles can be insured on an agricultural fleet policy?
There are a variety of different vehicles that can be insured on an agricultural fleet policy, including:
- Utility terrain vehicles
- All terrain vehicles
- Combine harvesters
- Farm quad bikes
- Pickup trucks
Can you cover multiple agricultural vehicles on a fleet policy
Yes, you can cover multiple agricultural vehicles on a fleet policy. At FleetCover, we provide cover for agricultural, commercial and private vehicles that can all be covered under one single policy, meaning you can have peace of mind knowing all of your equipment is protected.
What levels of cover does agricultural plant fleet insurance offer?
We offer three levels of cover for agricultural plant fleet insurance:
- Third party only
- Third party fire and theft
- Comprehensive cover
Unless you operate low value vehicles, we always recommend ensuring your plant fleet with comprehensive cover.
There are other levels of cover available, but listed above are the most common. If you’re looking for alternative cover, get in touch with our team to discuss your options.
Are there any exclusions to an agricultural vehicle insurance policy?
Excluded vehicles will be those that are not owned or leased by the company, an example of which would be an employee’s vehicle. Exclusions to cover would be similar to those of a standard fleet policy, so damage cover will be excluded if you only have Third Party Only cover, and only business activities that are declared to the insurer will be covered.
Also, the policy will be restricted geographically, depending on what has been agreed with the insurer. All permanent vehicles must be UK registered.
Who is insured to drive farm vehicles on an agricultural plant fleet?
Any authorised and licenced driver would be able to drive the vehicles on the fleet policy. Usually, there will be a restriction depending on the age of the driver, so a policy might exclude drivers aged below 21 or 25. Alternatively, the policy may allow any authorised and licenced driver from the age of 17 upwards.
Why should you have agricultural plant fleet insurance?
As your agricultural business grows and you increase the number of vehicles in your fleet, it can become expensive and confusing to organise individual policies. With fleet insurance, you have an individual policy for all of your vehicles, with only one start and end date that you need to keep track of.
Another benefit is the significant savings you could make through discounts by putting multiple vehicles on one policy. The more vehicles you have on the policy, the bigger the potential for savings and discounts.
You also have greater flexibility on which drivers can drive certain vehicles, since the vehicles are insured rather than the individual drivers. This is extremely useful for those who work in agricultural settings since they are more than likely to employ a changeable workforce.
How much does agricultural plant fleet insurance cost?
Agricultural plant fleet insurance can vary depending on a variety of different factors, including:
- The size of your fleet
- The level of cover you choose
- The type of vehicles you own
- The geographical radius in which you operate
The best way to understand how much agricultural plant fleet insurance would cost you and your business is to speak with our team. Get in touch with us today, let us know the details of your fleet and daily operations and we’ll do the rest.