Beware your tractor insurance

[Dean Lofthouse]

Tried to insure my loader today with nfu

 

To cut a long story short I was quoted £900 and told that if you are not into agriculture, your tractors should be insured on a commercial insurance policy if you are using them on the road or in a public area.

 

Those with tractors that have them insured on an agri policy that are tree surgeons are not insured basically.

 

I phoned trust who quoted a lot less but more or less said the same

 

If I register it as agri, I can get it insured for less than £200 but when it comes to a claim I've no chance

 

I've got headache

[felixthelogchopper]

Waste of money paying for non-existent cover, Dean. Doesn't help with the higher premium though

[madmatt]

This has been the case for many years with NFU I had a similar problem with my compact when I had it! however at the time the difference between ag n commercial was about 75 quid not 700!!:thumbdown:

[Gareth Dalzell]

What type of risk are you trying to cover. Is it 3rd party cover for use on the road or pl and el cover for site work. Or is it theft cover?

[Dean Lofthouse]

What type of risk are you trying to cover. Is it 3rd party cover for use on the road or pl and el cover for site work. Or is it theft cover?

 

The NFU was fully comp but Trust phone their underwriters and they came back at £500 and odd third party road use with an additional £175 for something else that I cant remember so £700 in total.

 

any suggestions welcome

[john p]

do they class forestry tractors as agri or does same apply?

[skyhuck]

Yes, I've have my mog insured with the NFU, I told them I do both forestry and tree surgery, it was £1000 for the forestry, but to include arb there was a 100% loading, so I have been paying £2000 for many years.

[Tom D]

I asked for a quote the other day for my new valmet, I told them I was doing forestry , arb and estate work, they came back £450!!

[csservices]

NFU did originally used to include tree work in an agricultural policy, but when I renewed either this year or last, cant remember, it sya in the exclusiions that you are not covered for felling on roadside or haulage of timber but you are still covered for forestry works

[bythamboy]

My tractors are insured with NFU for agric and forestry then arb work in addition but they don't like timber haulage , unless it has come of your own land ,because others tend to loose it on the high way with expensive results