Liability
- Cables and pipes
- Damage to buildings
- Injury to bystanders
John Deere · value over time · security · repair
Insuring a John Deere
Agricultural machines travel on the public road, tow implements behind them and run for days on end in dry crops during harvest; each of those three points raises its own question about cover.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
- AFM licence 12016589
- Registered with Kifid
- Objective analysis
Deze pagina in het Nederlands: John Deere verzekeren.
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 situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
In the Netherlands John Deere is found above all on the farm: tractors, foragers, combines and self-propelled implements, alongside construction plant. Agricultural vehicles that go onto the public road must be registered and fall under the insurance requirement of Article 2 of the Dutch Engine Insurance Liability Act (WAM). That cover concerns the traffic risk. Whatever goes wrong while the vehicle is working as an implement in the field belongs to the operating risk and must be arranged separately.
The second point is what is hitched behind the Tractor. An attached implement often shares in the cover of the towing vehicle, but an implement that is detached or used independently does not. A tipping trailer that overturns while unloading, or a sprayer standing in the yard, then falls between two stools. List every implement separately on the schedule of plant.
The third point is fire. Harvesting machines work in dust and crop residue, with hot exhaust and bearing parts. A fire in a combine or forager is a real scenario, and insurers set requirements around it: fire extinguishers on board and cleaning of the machine.
John Deere: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Own-damage cover
Damage to and theft of the machine, including inherent defect.
- Theft and vandalism
- Fire and storm
- Inherent defect and operating error
Downtime and transport
What comes into play with breakdown and transport.
- Business interruption during downtime
- Transport to the site
- Hired plant
What is covered
| Situation | Covered |
|---|---|
| Theft from the building site | Sometimes |
| Fire and storm damage | Yes |
| Inherent defect in the hydraulics | Sometimes |
| Damage to cables and pipes | Sometimes |
| Normal wear and tracks | No |
| Damage due to deferred maintenance | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what Execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Road and field are two different regimes
As long as the Tractor is travelling on the public road, the WAM cover applies to the traffic risk. As soon as the vehicle functions as an implement, ploughing, spraying or loading, this is the operating risk and different conditions apply. Many claims sit on the boundary: mud on the road that a motorist skids on, an implement swinging out and striking an oncoming vehicle. Place both risks with one party, so that nobody can point to the other.
Attached, detached and stored
Implements are not automatically insured simply because they belong with the Tractor. When attached, an implement usually shares in the cover of the towing vehicle; separate from it, it is an independent item that must appear on the schedule of plant. Think of tipping trailers, sprayers, slurry injectors, balers and front loaders. If such an implement is missing from the schedule, damage to or theft of it is not covered, even where the Tractor itself is generously insured.
Fire risk during the harvest season
In a forager or combine, dust and crop residue build up around hot parts. A smouldering bearing fire spreads quickly to the crop and sometimes to a neighbouring field or a shed. Insurers include prevention conditions: fire extinguishers present and inspected, and daily cleaning of the machine. Likewise, damage caused by using the machine despite a known fault is refused. Fire spreading to a neighbour's crop is liability damage, not own damage.
Contract work for third parties changes the risk
If you take your own plant onto other people's land, you are working under an assignment and can be held responsible for damage to the crop, to the soil through compaction, or to drainage and dykes. You are liable for your employees' mistakes under Article 6:170 of the Dutch Civil Code. Declare contract work when you apply; cover tailored solely to your own holding may exclude work for others.
Repairs and parts
Electronics and precision farming systems make repairs more expensive than the mechanical parts suggest.
Acceptance differs per insurer
Not every company applies the same policy for this make. With unusual versions, the question is not what it costs but who will accept it.
What does your premium depend on?
- Type of vehicle and registration — Agricultural vehicles on the public road fall under the insurance requirement.
- Attached and towed implements — Every implement on the schedule of plant, with its own value and use.
- Seasonal use and running hours — Peak use in a short harvest period weighs differently from steady use.
- Fire prevention on harvesting machines — Inspected extinguishers and the cleaning regime during the season.
- Contracting work for third parties — Work on other people's land brings liability for crops and soil.
- Storage of the plant — A separate implement store is a different risk from a shed with hay and straw.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Do I need WAM insurance for my Tractor?
If the vehicle goes onto the public road, yes. Agricultural vehicles must be registered, and Article 2 of the Dutch Engine Insurance Liability Act (WAM) requires third-party liability insurance for Engine vehicles. That cover concerns the traffic risk. For damage arising while the vehicle is working as an implement in the field, you additionally need cover for the operating risk.
Are my implements automatically insured with the Tractor?
When attached they usually share in the cover of the towing vehicle, but not when detached or used independently. Tipping trailers, sprayers, balers and front loaders therefore belong on the schedule of plant as independent items, with type and value. If an implement is not listed, damage to or theft of it is not covered, whatever the cover on the Tractor.
What does the insurer expect around fire prevention?
Usually inspected extinguishers on the machine and a cleaning regime during the season, because dust and crop residue around hot parts determine the fire risk. Carrying on with a known fault or overheating is treated as avoidable and leads to refusal. If the fire spreads to someone else's crop, that part runs through the liability cover.
Is damage to a client's land covered?
In contract work you can be held responsible for damage to crops, drainage or soil structure. You are liable for your employees' mistakes under Article 6:170 of the Dutch Civil Code. Declare contract work for third parties when you apply; a policy tailored to your own holding may exclude or limit work for others.
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.