JCB Fleet Insurance

Businesses and companies who are involved in construction, agriculture, excavation, or a variety of other fields are likely to have a fleet of JCB diggers and other heavy machinery which need to be insured under a specific policy. 

What insurance do you need to operate a JCB?

To operate a JCB, the required insurance depends on whether it travels on public roads, and whether it is hired. 

If your fleet of JCBs is ever driving on public roads, even if just for a short period of time, you’ll need road-risk plant cover to cover the risk of damaging third party property with the JCB. 

If your JCBs are hired, we would also recommend hired-in plant cover, which protects against damage, loss or theft of the machinery. 

There are a number of other forms of insurance to consider for your JCB digger fleet, including transit cover and malicious damage cover.

JCB and agricultural plant insurance are insurance policies which protect plant machinery, such as JCBs. This protects against such as damage, theft and breakdown, regardless of whether the machinery is owned or hired. 

JCB-specific insurance covers construction, groundworks, civil engineering and a number of other industries. JCB plant insurance can provide cover for a range of different eventualities across the plant hire industry, which can be made bespoke to the needs of your business. 

Agricultural plant insurance covers similar factors such as damage, theft and breakdown, but specifically in the industry of agriculture. This protects farmers and  agricultural businesses who rely heavily on this machinery to do their day to day work. 

What does JCB insurance cover?

JCB insurance covers your construction equipment, be it JCB diggers or otherwise, to varying levels depending on the type of cover you opt for. Some plans cover accidental damage for owned or hired vehicles, whilst others offer specific protection against things like fire or theft. 

Let’s take a look at the level of cover offered under JCB insurance.

What levels of cover does JCB insurance offer?

JCB insurance comes in a variety of different levels:

• Accidental damage – Covering the costs of repair or replacement for owned and hired vehicles in the event of equipment being damaged in an accident. 

• Fire cover – Provides protection if equipment is damaged or destroyed by fire. 

• Theft cover – Protection against theft.

• Hired-in plant – Protects equipment which is hired from another company.

• Third party road risks – Covers liability for damage or injury to people or property in the circumstance that machinery is used on public roads. 

• All risks coverage – All risk coverage protects against a wide variety of incidents, but it’s important you review policy details to understand exactly what you’re protected against. 

How many JCBs do you need for a tractor insurance policy?

For a tractor insurance policy, you can have as little as one JCB, but you’ll need just 2 or more JCBs to fall under the remit of ‘fleet insurance’. Combining the cost of insurance for all of your tractors is an efficient way to save money, as well as meaning you only have to manage, pay for and renew one plan.

Find out more about the difference between fleet insurance vs individual insurance policies.

JCB fleet insurance with FleetCover

Fleetcover offers bespoke JCB digger and machinery insurance policies. We’d love to chat to you about your worksite and the vehicles on it, ensuring comprehensive cover which gives you the peace of mind that your business is protected. 

Get in touch with our professional team to find out more.