Own damage and theft
Accidental damage, fire and theft for scheduled vehicles, on and off the property.
Farm Motor Vehicle Insurance
0418 166 122Compare farm motor vehicle insurance quotes from multiple Australian insurers. Insurance quotes from a licensed Australian broker with Steadfast network access.
By requesting a quote you accept our financial services guide and privacy policy. General information only.
Farm Motor Vehicle Insurance
Cover for registered and farm-use vehicles on the property.
Farm vehicles live a double life. The same ute does the school run, the town trip, paddock work and a stock check on wet tracks, and the quad bike or side-by-side never sees a sealed road at all. Registration status, who was driving, and whether the vehicle was on or off the property all shape how a motor claim gets assessed.
What is it?
A farm motor schedule usually mixes registered utes and trucks, conditionally registered tractors and machinery that use the road under limited-use conditions, unregistered farm bikes and side-by-sides, trailers and stock crates. Compulsory third party is handled through each state's registration scheme, so the motor policy deals with damage to the vehicle and to third-party property, not with personal injury.
What does farm motor vehicle insurance cover?
Third-party property damage
Damage your vehicle causes to other people's property, subject to the use terms in the policy.
Farm bikes and side-by-sides
Quads, two-wheelers and utility vehicles used on the property, which need to be listed specifically.
What affects the cost?
- Vehicle types and declared values
- Registration and conditional-use status
- Driver ages and employee use
- On-farm versus road kilometres
- Claims history across the fleet
Worth raising on the call
- Quad bikes and side-by-sides are usually outside a standard motor policy unless they have been scheduled.
- Employees and contractors driving farm vehicles affect both the motor policy and the workers compensation position.
- CTP comes with registration, so an unregistered farm vehicle carries no injury cover if it leaves the property.
Claims we are commonly asked about
Ute rolls on a wet paddock track
A worker rolls a farm ute checking stock after rain and the vehicle is written off in a paddock well away from any road. Whether the claim runs smoothly usually depends on whether on-property use falls within the policy terms and on who was driving at the time.
Roo strike at dusk on gravel
A kangaroo comes through the front of a ute on a gravel road, damaging the bullbar, radiator, bonnet and spotlights. Animal strike makes up a large share of rural motor claims, and declared accessories are typically what decides the settlement figure.
Tractor struck moving between blocks
A conditionally registered tractor is struck by a car while travelling along a public road between two blocks. Conditional registration terms and the use declared under the policy generally determine how the claim is handled.
Worth confirming in the wording
- Worth confirming whether quad bikes, side-by-sides and two-wheel farm bikes are individually scheduled, since they are commonly outside a standard motor section unless listed.
- Worth confirming how the policy treats employees, contractors, family members and unlicensed drivers using farm vehicles both on and off the property.
- Worth confirming what happens when a conditionally registered machine is used on a public road outside the conditions of that registration.
Common questions
Are quad bikes and side-by-sides covered under my farm policy?
Not automatically. They usually need to be specifically listed, either on the motor section or the farm machinery section, and some insurers apply conditions about operator age, helmets and rollover protection. It is worth confirming which section they sit on and what conditions attach to them.
Do I need CTP for a farm vehicle that never leaves the property?
CTP comes with registration and covers personal injury, so an unregistered farm vehicle generally has no CTP behind it. Injury on the property usually falls to workers compensation for employees or to the liability section for others, and both carry their own limits and conditions. State rules differ, so it is worth checking locally.
Does my farm motor policy cover the tools in the tray?
Usually not. Tools and portable equipment are generally covered under a general property or tools of trade section rather than the motor policy, and theft from an unattended vehicle commonly carries conditions about locking and where the vehicle is kept overnight. It is worth confirming which section your tools sit on.
What does farm vehicle insurance cost?
It depends on vehicle types and declared values, registration and conditional-use status, driver ages and whether employees drive, on-farm versus road kilometres, and the claims history across the fleet. Insuring vehicles as a farm fleet rather than one by one often changes how the whole schedule is rated.
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.
10 Years Advising Steadfast Network Access Licensed Australian Brokers Australia-Wide
Quotes That Are Fast And Easy
Get a quote fast. Compare quotes from multiple insurers. Get the best deal for your farm motor vehicle insurance.
How Do You Get Started?
We make farm motor vehicle insurance fast and easy at Insurance Time. Get a quote today.
-
Start a quote.
Fill the quote form above, or call us on 0418 166 122.
-
Quotes gathered.
Our team will approach insurers and gather your options.
-
You're covered.
Choose your option and receive your policy documents.
Why Choose Insurance Time
Protect yourself with cover arranged by a licensed Australian broker who explains it in plain English.
Professional
Our team are experienced in farm motor vehicle insurance and licensed to advise on it.
Experienced
Ten years advising Australian families and businesses, with Steadfast network access.
Renewal management
Our team will manage your renewals and keep you informed and up to date.
24/7 claims
Notify us of a claim 24/7, 365 days a year.
Cover Options
We can arrange different levels of cover for you and your business.
Motor vehicles and fleets
Third party to comprehensive motor and fleet cover.
Public liability
Protection for third party property damage or personal injury.
Business package
Customised cover for your business assets and liabilities.
Personal insurance
Protection for you and your family.
Property
Protection for your personal and business premises and contents.
Workers compensation
Cover questions for your employees and workers.
Get A Quote. It's Complimentary.
It's time to review your farm motor vehicle insurance.
General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.