Tractors · towed implements · harvest season
Agricultural machinery insurance through a.s.r.
Agricultural plant is plant and machinery that goes out onto the land: tractors, harvesting machines, sprayers and everything that is towed behind them. The claims patterns differ fundamentally from those on a building site.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Landmateriaalverzekering via a.s.r..
Calculate your premium or request a quote
Without obligation; a reply within one working day.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
We are an independent intermediary and set the offering of more than thirty insurers side by side. We apply for the agricultural plant policy from a.s.r. for farming businesses, agricultural contractors and landscaping firms: businesses whose plant mainly works on fields and uses the public road to get from one plot to the next. Which insurer it becomes depends on the make-up of the fleet and on the work you carry out for third parties.
In law, an agricultural tractor is a motor vehicle. If it travels on the public road, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies, regardless of whether the vehicle has a registration number or falls under an exemption. The towed implement is the point where policies diverge: a levelling bucket, tipping trailer, slurry tanker or mower bar has to be insured as a coupled unit, otherwise you are left empty-handed after a collision in which the implement alone caused the damage.
The second risk that is specific to this sector is fire during the harvest. Dust, crop residue and a hot exhaust or a seized bearing together create a real fire risk, and a burnt-out forage harvester in the middle of the season costs more than the machine alone. Business interruption therefore belongs on a business interruption insurance. For the tractor itself, the variants are set out under insuring an agricultural tractor.
This page deals with one situation. The full overview is on Compare plant and machinery insurance.
What to look out for
Four subjects on which an agricultural plant policy runs into trouble in practice.
The crop you are working on is not covered
If you spray the wrong product or the wrong dose over a client's field, the damage to that crop is damage to property in your care, custody and control and falls outside the liability section. Drift onto a neighbouring plot, a classic contractor's claim, also calls for an express arrangement. Contract work for third parties must be declared on the application; otherwise the policy is assessed as own use.
Drivers, age and the category T licence
On farms it is often seasonal workers, family members and young employees who drive. The policy sets requirements for the driver: a valid category T driving licence for the road and a minimum age. If someone drives without that entitlement, the own-damage claim may be rejected. Where working family members or staff are injured, your duty of care under Article 7:658 of the Dutch Civil Codealso applies, including for hired-in labour.
Theft of electronics and fuel
GPS auto-steer systems, terminals and aerials are stolen to order, as are diesel stocks and batteries. Insurers set their own conditions for this: removable equipment stored indoors, a locked yard, sometimes a tracking system. Loose electronics that are not permanently fitted to the machine often fall in a separate section or carry a sub-limit. Check that before you sign the policy, not afterwards.
Livestock, ditches and the boundary with other policies
If cattle stray onto the road through a fence damaged during work, the question is liability for animals under Article 6:179 of the Dutch Civil Code and not the machinery policy. Soil contamination from a split hydraulic hose in a ditch is environmental damage and belongs on environmental damage cover. Map out those boundaries in advance, because after a loss the argument between policies is hard to settle.
What does your premium depend on?
- Number and type of implements — tractors, self-propelled machines and towed machines counted separately
- Replacement value as new of the fleet — modern harvesting technology raises the basis for own-damage cover
- Your own business or agricultural contracting — working for third parties changes the liability profile
- Crops and cultivation — decisive for fire sensitivity and spraying risk
- Storage of the plant — an enclosed shed weighs differently from an open yard
- Claims history and excess — per event and sometimes per implement
Insurers weigh these details differently. That is why comparing pays off.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You hit the guttering of your neighbour's barn with the boom of a telehandler | Yes | Yes |
| A forage harvester catches fire in the middle of the harvest because of built-up crop residue | No | Yes |
| A GPS auto-steer unit is stolen from the tractor cab overnight | No | Provided that |
| A seasonal worker without a category T licence drives the tractor into the ditch | Provided that | No |
| The crop you are spraying for a client is lost through an incorrect dose | No | No |
| Hydraulic oil runs from a split hose into the ditch alongside the field | No | No |
As soon as you carry out the same work for third parties instead of for your own business, the answer changes on several lines.
Frequently asked questions
The questions we are asked most often about this.
Is a coupled tipping trailer covered under the tractor's policy?
Only if the policy expressly provides for it. While the implement is coupled, it is usually treated as one whole with the tractor, but that does not automatically apply to the period when it stands detached or is towed by another vehicle. Have every towed implement listed in the specification, including year of manufacture and value.
Is fire in a forage harvester or baler insured?
Fire falls under the own-damage cover, including under third-party, fire and theft. The exception lies in the cause: if the fire started through a defect in the machine itself or through demonstrably deferred maintenance, the insurer may treat that as an inherent defect. Clean machines during the harvest and keep the maintenance logbook up to date, because in a claim that is your only evidence.
What if a machine damages a dam, culvert or drainage system?
Damage to a third party's works is in principle insured damage to property, provided you are liable under Article 6:162 of the Dutch Civil Code. If, however, it concerns an object that forms part of the plot you are working on, the care, custody and control exclusion comes into play again. The precise boundary is set out in the policy conditions and differs from insurer to insurer.
Do I have to report a second-hand implement immediately after buying it?
Yes. An addition to the fleet is a changed risk and falls outside the cover if it is not reported. The duty of disclosure at inception is set out in Article 7:928 of the Dutch Civil Code; the consequences of an incorrect or incomplete declaration in Article 7:930 DCC. Reporting a change during the policy year takes little effort, a rejected claim on an expensive self-propelled machine costs considerably more.