Machinery and implements
Damage to machines and towed implements, scheduled by value.
Farm Machinery Insurance
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Farm Machinery Insurance
Cover for headers, tractors, sprayers and implements.
Modern farm machinery is worth more than most farm buildings. A header alone can exceed a million dollars, and it earns its keep in a few weeks a year, so breakdown timing matters as much as value.
What is it?
Farm machinery covers headers, tractors, sprayers, seeders, balers, chaser bins and light plant, from makers such as John Deere, Case IH, New Holland, Claas and Fendt, used on-farm and sometimes for contract work.
What does farm machinery insurance cover?
Fire during harvest
Machinery fires, which are the leading cause of header loss.
Breakdown
Mechanical breakdown, which is distinct from accidental damage and often optional.
What affects the cost?
- Machine values and ages
- Harvest hours and crop types
- Fire suppression equipment carried
- Contract work off-farm
- Shedding and storage
Worth raising on the call
- Header fires during harvest are common and specifically assessed.
- Breakdown is generally an optional extension, not automatic.
- Contract work for others changes the basis of cover.
Claims we are commonly asked about
Header fire in the engine bay
Built-up chaff around the engine bay ignites on a hot afternoon and the machine is a total loss within minutes. These claims typically examine how often the machine was blown down, whether a working extinguisher and water unit were carried, and whether any harvest ban conditions applied at the time.
Sprayer boom clipped in poor light
A self-propelled sprayer catches a boom on a tree at dusk and folds a section. Boom damage is a very common claim, and the discussion usually centres on whether the damage is accidental or the failure of a section already fatigued by wear, which the wording treats differently.
Loader contacts an overhead line
A tractor with a raised front-end loader touches an overhead powerline while shifting bales, damaging the machine and the network assets. Alongside the machine repair, the network operator commonly seeks recovery for its own damage, which puts the liability section in play as well.
Worth confirming in the wording
- Worth confirming whether mechanical and electrical breakdown is included or is an optional extension, and whether age or hour limits apply to older machines.
- Worth confirming whether the machine is covered while doing contract work for others and while travelling on a public road between blocks, since both are commonly outside a standard on-farm basis.
- Worth confirming how GPS domes, guidance screens and precision-ag components are treated, because they are frequently a target for theft from unattended machinery and may need to be scheduled separately.
Common questions
Is my tractor covered on the road between paddocks?
Cover for road use is not automatic and depends on how the machine is described and registered. Farm machinery is often on conditional registration with its own rules and compulsory third party arrangements varying by state, so it is worth confirming both the registration position and the policy basis before regular road travel.
Does farm machinery insurance cover breakdown?
Mechanical and electrical breakdown is generally distinct from accidental damage and is commonly an optional extension rather than automatic. It is often the extension that matters most at harvest, when a few days out of the paddock costs more than the repair itself, so it is worth pricing rather than dismissing.
Are GPS units and screens covered if stolen?
Theft of guidance domes and screens from machines left in paddocks is a recognised Australian claim type, and cover commonly depends on whether the items were scheduled and where the machine was left. It is worth checking any conditions about securing machinery overnight and about removable items left in an unattended cab.
What does farm machinery insurance cost?
Pricing generally tracks machine values and ages, harvest hours and crop types, whether breakdown is included, fire suppression equipment carried, contract work performed off farm, storage and shedding arrangements and claims history. A modern header with high harvest exposure is rated very differently from a paddock tractor.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See farm insurance for the wider picture.
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General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.