Hobby tractor insurance through Klaverblad
A hobby tractor covers few kilometres and many hours. The policy therefore turns not on no-claims years but on the question of what exactly you use it for.
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In brief
Klaverblad offers cover for tractors in private ownership. Finass acts as intermediary for Klaverblad, is not tied to them and compares several insurers objectively. For a tractor that goes onto the public road, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies; since the registration requirement for agricultural and forestry vehicles that is also visible on the records. If the tractor stays exclusively on your own yard, there is no insurance obligation, but you are still liable for damage under Article 6:162 of the Dutch Civil Code.
The dividing line this policy rests on is private as against business. A hobby policy assumes limited use: a trip to a rally, maintaining your own yard, working on the machine in the barn. As soon as you mow, tow, clear snow or work land for others in return for payment, the use no longer matches the description on the policy schedule. A tractor as plant and machinery or a policy for agriculture the right route.
The second theme is value. A restored tractor is worth more than its age suggests, and market value then does no justice to the work that has gone into it. Have the value established in advance and keep receipts for parts and paintwork. With older models the availability of parts also plays a part. For that, look at the classic tractor and to the hobby tractor insurance in general.
This page deals with one situation. The full overview is on Insuring a hobby tractor.
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We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four situations in which a hobby tractor policy works out differently in practice from what was expected.
Doing jobs for others changes your capacity
Clearing snow for the neighbours, towing a tree for an acquaintance, pulling a cart for a village festival: if that happens for payment or with any regularity, an insurer treats it as business use. On a hobby policy that is excluded. Unpaid work for third parties can fall outside the description too; ask in advance and have the answer confirmed in writing.
Competitions and demonstrations
Tractor pulling, skills trials and speed events are excluded on virtually every motor policy, including the preparation and the training runs. A tuned or modified engine removes the cover regardless of that. An organised tour without a competitive element is usually covered, but that is a different category from a demonstration on a showground.
Damage you cause with the machine
The liability cover on a motor vehicle relates to taking part in traffic. If a stone flies through a window while you are flailing, or you hit a facade while loading with the front loader, this is damage during work. That is assessed separately and is not automatically insured. What exists for it is set out under the plant and machinery insurance.
Entitlement, age and lending
For a registered tractor on the public road a valid category T licence is required, with a minimum age of its own. If someone drives without that entitlement, the own-damage cover lapses and the insurer can recover from you what it pays to the victim. If you lend the tractor out, report who drives it regularly; that is a change in risk.
What does your premium depend on?
- Described use: strictly private, or occasional work away from your own yard as well
- Value and how it is established: market value or a value agreed in advance after restoration
- Year of construction and type: parts for older models are only available to a limited extent
- Type of cover: liability only, or with third-party, fire and theft or comprehensive cover
- Storage: a locked barn counts differently from an open lean-to
- Drivers and age: who may drive and whether everyone holds the required entitlement
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| On your way to a rally you knock over a road sign with the front loader | Yes | Yes |
| A visitor to your yard is trapped because the tractor rolls backwards | Yes | Yes |
| The tractor goes up in flames in the lean-to | No | Yes |
| The restored tractor is lost without a value having been agreed in advance | No | Provided that |
| The plough coupled behind the tractor disappears from the field | No | Provided that |
| The clutch wears out and the tractor will no longer move | No | No |
Attached implements are not part of the tractor; have it recorded for each item whether they are on the policy.
Frequently asked questions
This is what people ask us most.
Do I need a category T licence for my hobby tractor?
On the public road with a registered tractor, yes. On your own land that requirement does not apply. For the insurance this is no formality: if someone drives without the required entitlement, the own-damage cover lapses and the insurer can recover what it pays to the victim from you or from the driver. Check that for family members who take the occasional trip as well.
Is my tractor insured during a classic rally or tour?
An organised tour on the public road generally falls within the cover, as long as there is no competition, timing or skills trial. Tractor pulling and demonstrations are excluded. If you travel to a rally abroad, check whether the territorial limits include that country and whether the vehicle is admitted there.
May I clear snow or mow for neighbours with the tractor?
Helping out occasionally and unpaid can often still be justified, but as soon as payment is involved or it happens regularly, the use is commercial. That is a change of risk within the meaning of Article 7:928 of the Dutch Civil Code, and failing to report it can lead to a reduced or refused settlement under Article 7:930 DCC. Better to discuss it beforehand than afterwards.
Does a trailer or implement behind the tractor fall under the same policy?
For liability, a coupled implement is generally treated as part of the towing unit. Once it stands detached in the yard or has broken loose, that no longer applies. Damage to the implement itself is never liability but own-damage, and calls for an item of its own on the policy schedule. For a cart or livestock trailer, look at the trailer insurance.
Every situation is different. For these situations we have a separate page.
- Compare plant and machinery insuranceThe main page
- Hobby tractor: agreed value and use at eventsLimited use, valuation, events
- Insuring an agricultural tractorRegistration, public road, implements
- Insuring a hobby tractorEnthusiast use, limited mileage, valuation
- Insuring a tractorRegistration, category T licence, implements
- Insuring a tractor as plant and machineryWAM obligation, own-damage cover, attachments
- Insuring a tractor as plant and machineryWAM obligation, own-damage, implements on the linkage
- Insuring a classic tractorWAM obligation, agreed value, shows and runs