Zakelijk • Verkeer • Work equipment • Tractor / trekker
Tractor insurance (insurance)
Insure damage that you cause to others with your work equipment, and damage to your own work equipment with work equipment insurance.
A tractor insurance (also tractor insurance or insurance for agricultural tractors) provides essential protection against injury, theft and accidents. Tractors worden intensief ingezet in akkerbouw, Livestock farming, loonwerk en terreinwerk. Door de inzet in wisselende omstandigheden ontstaan risico’s zoals collision, tilt, damage to cabin, hydraulics, axles, tires and (valuable) electronics such as GPS/RTK (policy dependent).
You are usually insured with work equipment insurance liability (WA) and you can expand this with fire/theft and hull/all-risk for damage to your own tractor (depending on the policy).
Coverage, maximums and exclusions always follow the policy conditions.
Tractor insurance in brief
You insure your tractor if Work equipment. Minimal is often WA gewenst voor schade aan derden. Voor schade aan de Tractor zelf kiest u aanvullende dekking zoals fire/theft and hull/all-risk.
When do entrepreneurs often choose comprehensive/all-risk?
- in case of high (replacement) value or financing/lease;
- with intensive use, contract work and frequent travel;
- if you also want to insure damage due to collision/rollover (depending on the policy).
Premium and acceptance depend on type, capacity, value, security, deployment and damage history.
What is tractor insurance (work equipment insurance)?
Purpose of the insurance
With tractor insurance you cover the financial risk of (1) Liability voor injury aan derden en (2) – afhankelijk van de dekking – damage to your own tractor.
Why specifically for work equipment?
Schades met agrarisch werkmaterieel kunnen groot zijn door gewicht, inzet rond derden en (soms) weggebruik. Daarom is een specifieke werkmaterieeldekking vaak passend, bovenop algemene Corporate liability.
The exact insurance required depends on your deployment and type of tractor.
Applications: where do you use the tractor?
Arable farming
- tillage, sowing and harvest support
- use with tools (context)
- risk of collision and damage to PTO/hydraulics
Livestock farming
- feeding, manure and yard work
- intensive use in tight spaces
- damage to cabin and tires occurs
Contract work & site
- many locations and road uses
- higher risk of traffic and transport damage
- acceptance: drivers and claims history relevant
Third party use or rental
Wordt de tractor door meerdere (wisselende) bestuurders gebruikt, of verhuurt u tractoren? Vermeld dit bij de aanvraag. Verzekeraars kunnen aanvullende Conditions stellen.
Coverage: third party liability, fire/theft and hull/all risk
WA (liability)
- damage to third parties (objects, vehicles, buildings)
- injury to third parties (policy dependent)
- important when working near third parties and road use
Fire & theft
- fire, theft (and attempted), vandalism (policy dependent)
- relevant for outdoor storage and seasonal storage
- prevention requirements may apply (storage/tracking)
Casco / All risk
- damage due to collision/rollover and work accidents (depending on policy)
- often desired for high value and intensive use
- pay attention to deductible and exclusions (wear and tear/gradual)
Comparison checklist
| Point of comparison | Why important | What to pay attention to |
|---|---|---|
| Road use | Many tractors drive (occasionally) on the road. | Is this specified correctly? Conditions and exclusions (policy dependent). |
| Tools/accessories | Front linkage, front PTO, GPS/RTK or cab options are expensive. | Maxima and definition of “accessories”; specify separately if necessary. |
| Theft prevention | Tractors are popular for theft. | Storage, key management, tracking (if required). |
| Own risk | Affects premium and your risk. | Deviating deductibles in the event of theft may occur. |
| Exclusions | Prevents surprises in the event of a claim. | Wear and tear, lack of maintenance, intent, gradual damage. |
Policy conditions are leading; have specific commitment confirmed in writing.
Useful: Coverage for work equipment insurance • Frequently asked questions about work equipment
Damage risks for tractors (tractors)
Traffic and collision damage
Bij weggebruik en verplaatsingen ontstaat risico op collision met voertuigen of objecten. WA dekt schade aan derden (polisafhankelijk); casco kan eigen schade dekken.
Tipping / falling over
Slootranden, hellingen, natte bodem en zwaar werktuiggebruik kunnen leiden tot kantelen. hull/all-risk is vaak de belangrijkste dekking voor dit scenario.
Technology (hydraulics/PTO/tyres)
hydraulics, PTO-aandrijving, assen en banden krijgen veel te verduren. Slijtage is meestal uitgesloten, maar plotselinge schade kan (polisafhankelijk) onder casco vallen.
Accessories and equipment: front linkage, GPS, cabin and options
Common options
- front linkage / front PTO
- GPS/RTK and precision agriculture (context)
- additional lighting, cameras, comfort/cabin options
- weighing systems or control modules (context)
- special tires/chains (context)
Not every accessory is insured as standard. Ask about maximums and conditions.
Prevent underinsurance
- specify options and (new) value in the quotation
- save invoices, take photos and record serial numbers
- update the policy for upgrades (GPS/RTK, cabin)
Transport: moving between plots and projects
Where does transport damage occur?
- movements on public roads
- collision with obstacles when maneuvering
- loading/unloading on low loader (if applicable)
- temporary storage en route or on location
This way you speed up processing
- photos before/after transport and upon transfer
- document damage immediately (time/place/witnesses)
- record agreements with the transporter (liability)
- report damage quickly and keep transport documents
Transport coverage is policy dependent; please agree on this with the application.
Premium: what does the price depend on?
Most important factors
- type/capacity and insured value
- coverage (third party liability, fire/theft, comprehensive/all risk) and deductible
- input: arable farming/contract work, locations and road use
- storage/security and prevention
- claims history and number of drivers
Compare wisely
- compare conditions, maximums and exclusions
- check road usage and accessories
- choose your deductible according to your damage risk
- Have your efforts (contract work) recorded in writing
Public roads: when is extra attention needed?
Situation dependent
Veel tractors rijden (regelmatig) op de openbare weg, bijvoorbeeld tussen percelen, klanten en erven. De Insurancesbehoefte kan dan anders uitpakken.
Always state this when applying so that coverage is arranged correctly.
Practical points of interest
- visibility: lighting/marking
- wide tools/protruding parts (context)
- route choice and times (busyness)
- driver instruction and road safety
Prevention: this is how you limit damage and improve acceptance
Safe deployment
- driving routes and speed limits
- working safely with tools
- extra alert at ditch edges/slopes
Maintenance
- inspection of brakes, hydraulics and clutches
- tire check and correct tire pressure
- document maintenance and repairs
Storage & theft
- lockable storage where possible
- key management and registration
- tracking/GPS (if required)
Checklist: apply for tractor insurance in 10 minutes
1) Tractor data
- make/type, year of construction
- serial number(s)
- power (hp) (if known)
- value (new value/current value)
2) Uses & locations
- arable farming/livestock farming/contract work
- frequency of road use
- storage and security
- directors (number/experience)
3) Coverage & accessories
- WA + possibly fire/theft
- hull/all-risk desirable?
- Specify GPS/options/accessories
- choose an appropriate deductible
Overview of work equipment (objects)
Specialist in the field of work equipment insurance.
More objects
Also relevant
More: Telehandler, Sales cart, Food truck.
Brand of work equipment
Which brand belongs to your work equipment:
Who we compare
We compare insurers/underwriters for work equipment. The actual comparison is situation dependent.
Frequently mentioned parties (selection)
- NN
- Nh1816
- a.s.r.
- Turiand & Co
- Cloverleaf
- Uniguarantee
- The Gouda
- Allianz
- Achmea
- Chubb
And several other parties, depending on the object, commitment and acceptance.
Complete list (as shown)
Show full list
- NN • Nh1816 • a.s.r. • Turiand • Assicuro • Hiscox • Hiandfeld • Aegon • Voogd • Surebusiness
- OOM • Cloverleaf • Unigarant • Noorderlinge • De Goudse • APC Holland • Driessen Assuradeuren • Ansvar Idea • Avéro Achmea • Ecclesia
- Allianz • Anker Insurance • DAS • ARAG • Achmea • Bovemij • Chubb • Rhion • Markel • MS Amlin • Upiva • Aon • CZ • ONVZ
Frequently asked questions about tractor (tractor) insurance
What is tractor insurance?
Tractor insurance usually falls under work equipment insurance. U verzekert hiermee meestal aansprakelijkheid (WA) voor schade aan derden en kunt dit uitbreiden met brand/diefstal en casco/allrisk voor schade aan de tractor zelf.
Is airframe/all-risk necessary for an agricultural tractor?
Not always, but often in case of high value, contract work (many locations/road use) or if you also want to insure damage due to collision/rollover. WA only covers damage to third parties.
Do I always have to report road use (public roads)?
Yes. This is situation-dependent and can influence acceptance and coverage. Report how often and where you drive on the road to avoid misunderstandings in the event of damage.
Zijn werktuigand, fronthef and GPS/RTK meeverzekerd?
Dat is polisafhankelijk. Accessories kan een maximum of specifieke definitie hebben. Geef waardevolle opties en elektronica bij voorkeur expliciet op in de offerte.
What prevention requirements apply in the event of theft?
This varies per insurer. Consider storage, locks, key management and possibly tracking/GPS. Failure to comply may affect acceptance or payment.
What information do I need for a quote?
Meestal: merk/type, bouwjaar, serienummer(s), vermogen (indien bekend), waarde, gebruik (arable farming/livestock farming/contract work), weggebruik, stalling/beveiliging en gewenste dekking (WA, brand/diefstal, casco/allrisk) plus toebehoren (fronthef/GPS).
Insure a tractor? Request a work equipment quote
Start de offerte-aanvraag en ontvang een voorstel dat past bij uw tractor, inzet (arable farming/livestock farming/contract work) en risicoprofiel. Wij helpen u graag met dekking, voorwaarden en acceptatie.
Direct contact: call 072 – 509 24 56 or email to info@finassverzekert.nl.
