Why can't I get insurance for a hire tractor?

[gensetsteve]

by the time you pay for the hire, the fuel, the insurance and costed your time running 7 tonnes of timber about it would be cheaper to pay haulage.

[Ford Forester]

If it was already at roadside, maybe. Also, there are ash Hurley butts to extract, and I will be paid to extract the timber. I haven't bought it standing or anything, so I am loath to pay someone else when I can get it out myself. Also it's on 2 estates and there is follow up work, so I need to show that I am capable of getting the job done. I can then maybe buy a small tractor for myself and move the business forward.

[Ford Forester]

Thanks Alec. That sounds worth a phone call. Is he online? Might Google it or do you have his number?

[Big Bolt]

i would try and hire a tractor from a farm dealer ship who hire out tractors all the time

[Dave Rouse]

i'd suggest trying another hire company, hire a tractor off a friend or check your pl/el insurance mine is with the nfu and as well as incl. the insurance of my saws and other tools it also includes cover for £50,000 of hired in plant as standard, you may find that your pl/el insurance includes this.

Dave

[eggsarascal]

by the time you pay for the hire, the fuel, the insurance and costed your time running 7 tonnes of timber about it would be cheaper to pay haulage.

 

Where did 7 tonnes of timber come from

[Ford Forester]

Thanks Dave. Might be a case of giving NFU on another number. Bit like my bank or HMRC. it depends on the personality of whoever picks up the phone, as to whether you can get what you want. Didn't ask, and they didn't suggest liability insurance as a way through it. When you say £50K of hired in plant, do you mean that you could hire say 10 machines over the year so long as none of them are over £50K, or the total hire cost over the year is less than £50K? Sorry if I sound thick haha

[gensetsteve]

Where did 7 tonnes of timber come from

 

I made an assumption that it would be a forestry trailer with maybe one axle braked which would weigh about 10 tonne loaded tops. Maybe I am wrong. I put 10 tonnes on this and you know its behind you even with airbrakes.

[dumper]

Do check that the insurance offered covers road use as well as loss or damage, my hired in plant insurance does not cover road use, i add tractors to my commercial vehicle policy with nfu try local ag dealers

[Gareth Dalzell]

is it third party insurance you need to cover the vehicle while it's on the road or theft/fire/accident damage type insurance?