Machine and attachments
Damage to Case plant and the buckets, hammers and attachment sets that go with it.
Case Equipment Insurance
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Case Equipment Insurance
Cover for Case construction plant across owned and hired-in fleets.
Case machines turn up most often in council depots, plumbing and drainage crews and smaller civil contractors, and that shapes the risk. A lot of Case plant travels on public roads between jobs and works close to live services, so the exposure is a mix of road use, underground service strikes and everyday site damage rather than heavy mine-site wear.
What is it?
Case Construction Equipment, part of CNH, builds backhoe loaders, skid steers, compact track loaders, excavators, wheel loaders, dozers and rollers, sold and serviced through dealers around Australia. The 580 backhoe loader is the model most associated with the brand here. Case IH is the separate agricultural line and is usually quoted under farm wordings rather than plant.
What does case equipment insurance cover?
Hired-in Case plant
Machines hired from a dealer or hire company that you are contractually responsible for.
Road and site use
Machines that travel between jobs as well as work on site, where both arrangements need checking.
What affects the cost?
- Fleet value and machine ages
- Mix of road travel and site work
- Work type, such as council, civil or plumbing
- Parts availability and downtime expectations
- Yard and site security overnight
Worth raising on the call
- Backhoe loaders sit across road and plant cover, and gaps usually appear at that join.
- Case IH farm machinery is generally rated differently from Case construction plant.
- Parts lead times drive downtime, so check whether any hire-in or delay cover is included.
Claims we are commonly asked about
Backhoe strikes a water main
A Case 580 trenching for a council drainage repair breaks a live water main that was marked but not proved by hand. The water authority's repair bill and the damage to the surrounding pavement and adjoining property are handled under liability, not the plant schedule.
Skid steer taken off a trailer
A compact track loader is stolen overnight from a trailer parked behind a depot fence, along with the bucket and four in one attachment. The claim generally turns on what was declared about overnight storage and whether the trailer was locked, chained or immobilised.
Hired dealer machine damaged
A Case excavator hired in from a dealer for a six week job is damaged when a batter slumps under it. The hire agreement usually makes you liable for full replacement value plus hire charges that keep running until the machine is replaced, which is more than the depreciated value most people assume.
Worth confirming in the wording
- Worth confirming whether the hired-in plant section covers continuing hire charges as well as damage, and whether the sum insured matches the full replacement value the dealer's hire agreement makes you liable for.
- Worth confirming whether Case IH agricultural machines are covered on the same plant policy or need to be arranged under a farm wording, since the two ranges are commonly rated on different terms.
- Worth confirming whether theft of a machine from an unattended trailer, an open yard or a site without a locked compound is covered, and what security conditions attach to that cover.
Common questions
Is Case IH farm machinery covered under the same policy as Case construction plant?
Generally not by default. Case Construction and Case IH are separate ranges, and agricultural machinery is usually quoted under a farm package with its own machinery section, while construction plant sits on a contractors plant policy. Some mixed operations need both. It is worth listing every machine and letting the broker place each where the wording actually fits.
Do I need to list every attachment separately?
Higher value attachments such as hammers, augers, tilt hitches and four in one buckets are usually better listed individually, because the unspecified small plant limit is commonly set well below what a modern attachment costs to replace. Lower value items can sit under the unspecified limit if that limit is realistic. Reviewing the attachment list each renewal is the practical fix.
What does Case equipment insurance cost?
It depends on the fleet, not the brand, so a figure without underwriting would not be meaningful. Fleet value and machine ages, the mix of road travel and site work, work type such as council, civil or plumbing, overnight yard and site security, and claims history are the main drivers. Whether you carry hired-in plant cover and at what sum insured also changes it.
Does my finance company need to be noted on the policy?
Financiers and lessors commonly require to be noted as an interested party or mortgagee on the plant schedule, and the finance agreement usually specifies minimum cover and how proceeds are applied. Failing to note them can cause problems at claim time and can breach the finance contract. It is worth checking the finance documents against the policy schedule at each renewal.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See mobile plant machinery insurance for the wider picture.
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