Insuring a Unimog

[treequip]

I tried this as well however they weren't playing game and said if they can't do it we can't. Just seems ridiculous the mog couldn't be more ag if you tried.

 

Its not about how the vehicle is registered, its about what you are doing with it.

 

The mog isn't that agricultural in the eyes of the underwriters, most farms use a tractor, telehandler etc, not many pick a mog and the underwriters know that. They are risk mechanics with a spread sheet and have access to all sorts of statistics.

 

Your use is predominantly commercial tree surgery which is NOT agricultural so they wont give you the nice cheap (low risk) insurance because you are the same risk as anyone doing that job with a conventional set up

 

If you insure a tractor one of the things they ask is if you are going to haul timber on the road and if you say yes they load the policy accordingly

[Jay]

Its not about how the vehicle is registered, its about what you are doing with it.

 

The mog isn't that agricultural in the eyes of the underwriters, most farms use a tractor, telehandler etc, not many pick a mog and the underwriters know that. They are risk mechanics with a spread sheet and have access to all sorts of statistics.

 

Your use is predominantly commercial tree surgery which is NOT agricultural so they wont give you the nice cheap (low risk) insurance because you are the same risk as anyone doing that job with a conventional set up

 

If you insure a tractor one of the things they ask is if you are going to haul timber on the road and if you say yes they load the policy accordingly

 

I appreciate this and understand the reasoning. However I can't understand how it can be so different for for me as the previous owner did the same work with it and is also a tree business. Guess its just the weird and wonderful ways of insurance!

 

 

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[Little Steven]

I appreciate this and understand the reasoning. However I can't understand how it can be so different for for me as the previous owner did the same work with it and is also a tree business. Guess its just the weird and wonderful ways of insurance!

 

 

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I have my mog cherry picker insured formally with LFE (who are now trust). It has a total of four policies on it making up everything thing I req. Road, off road, tree work, other trades.

Trying to get one to do the lot wasn't available. NFU would not touch the vehicle in light of recent claims (cherry pickers)..... All in all very flexible company at a very reasonable rate.

 

Steve

[Marko]

I appreciate this and understand the reasoning. However I can't understand how it can be so different for for me as the previous owner did the same work with it and is also a tree business. Guess its just the weird and wonderful ways of insurance!

 

I know NFU do cover forestry within a normal Ag policy if it is your forest. Would that be the difference with the previous owner? (or perhaps what he told them?)

[treequip]

I appreciate this and understand the reasoning. However I can't understand how it can be so different for for me as the previous owner did the same work with it and is also a tree business. Guess its just the weird and wonderful ways of insurance!

 

 

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Well you have the word of the bloke selling it that the insurance was cheap, and there are a lot of unknowns. You don't know how long he held the policy on renewals, and you don't know his circumstances or what he told the insurers he was using the vehicle for.

[john p]

Its not about how the vehicle is registered, its about what you are doing with it.

 

 

 

The mog isn't that agricultural in the eyes of the underwriters, most farms use a tractor, telehandler etc, not many pick a mog and the underwriters know that. They are risk mechanics with a spread sheet and have access to all sorts of statistics.

 

 

 

Your use is predominantly commercial tree surgery which is NOT agricultural so they wont give you the nice cheap (low risk) insurance because you are the same risk as anyone doing that job with a conventional set up

 

 

 

If you insure a tractor one of the things they ask is if you are going to haul timber on the road and if you say yes they load the policy accordingly

 

 

My policy doesn't cover timber haulage, only travelling between sites, which is why it's relatively cheap

[treequip]

My policy doesn't cover timber haulage, only travelling between sites, which is why it's relatively cheap

 

Yup, that's the kind of risk they are keen to avoid

[Jay]

cheers for all your input chaps. The cost isn't so much the issue as losing the benefits of having implements covered. We will just have to see how we get on.

[skyhuck]

My mog is insured with the NFU, has been for over 10 years and the two mogs before this one.

 

But its not cheap, there is a 100% loading for doing domestic tree work, it costs between £1600 and £2K per year.