Machine and fronts
Damage to the machine plus harvester fronts, comb and implements, which are usually scheduled in their own right.
John Deere Equipment Insurance
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John Deere Equipment Insurance
Cover for John Deere farm machinery and construction plant.
John Deere sits on both sides of the fence in Australia: broadacre farm machinery and construction plant. A header working through a dry December is a fire risk long before it is a collision risk, while a Deere excavator or loader on a civil job carries the usual site exposures. The guidance receivers and screens fitted to these machines are also a standing theft target.
What is it?
John Deere builds tractors from compact utility sizes up to high horsepower articulated units, combine harvesters, self-propelled sprayers, balers and mowers. The construction range covers excavators, wheel loaders, skid steers, compact track loaders, dozers and motor graders. Machines are commonly fitted with StarFire guidance receivers and in-cab displays, which are removable, valuable and easy to move on.
What does john deere equipment insurance cover?
Fire during harvest
Header and stubble fires are a leading Australian claim, generally subject to conditions on extinguishers and paddock practice.
Guidance and display theft
Removable GPS receivers and screens, which commonly need to be listed specifically rather than left inside the machine value.
What affects the cost?
- Machine values across the fleet
- Farming, contracting or civil use
- Harvest fire season exposure
- Shed and yard storage security
- Operator experience and seasonal labour
Worth raising on the call
- Fire cover on harvesters often carries conditions about extinguishers, harvest bans and firebreak preparation.
- Contract harvesting for other growers is a different arrangement from working only your own paddocks.
- Guidance receivers and screens are stolen far more often than the machines they are fitted to.
Claims we are commonly asked about
Header fire in a dry paddock
A bearing runs hot in the front late on a dry December afternoon and the header catches, with fire spreading into standing crop before the fire unit gets there. Claims of this size usually cover the machine and the crop, and insurers commonly ask what firefighting unit was on hand and whether a harvest ban was in force.
Guidance receiver taken from a shed
Receivers and in-cab displays are unbolted from tractors parked in an open machinery shed and are gone before anyone notices at the start of seeding. Because this gear is removable and easy to move on, recovery generally depends on whether each unit was listed individually rather than assumed inside the tractor value.
Sprayer boom folded into a tree
A self-propelled sprayer catches the end of an unfolded boom on a tree at the paddock edge and the section folds back, damaging the frame and plumbing. Boom repairs sit awkwardly between machine damage and implement damage, so it helps to know in advance which part of the schedule they fall under.
Worth confirming in the wording
- Worth confirming whether harvest fire cover carries conditions about firefighting units, extinguisher servicing and working through declared harvest bans.
- Worth confirming whether damage to a neighbour's crop, fence or property from a fire starting on your machine falls under the liability section and to what limit.
- Worth confirming whether guidance receivers and displays remain covered while removed from the machine and stored in a house, shed or ute.
Common questions
Does my farm insurance already cover my John Deere machinery?
Many farm packages include a machinery section, but the perils, limits and settlement basis vary a lot between wordings. High-value machines such as headers, sprayers and large tractors are often better scheduled specifically rather than left inside a general limit. It is worth comparing what the farm policy actually lists against current replacement values.
Am I covered if my header starts a fire that spreads onto a neighbour's property?
That is generally a liability question rather than a machinery one, and it usually depends on a broadform or farm liability section being in place with an adequate limit. Cover is subject to the policy terms and any conditions about harvest practice, extinguishers and fire units. It is worth checking the limit against what a large paddock or shed fire could realistically cost.
Is a tractor covered while driven on a public road between paddocks?
Road use needs to be raised rather than assumed. Depending on the state, the machine may need registration and compulsory third party cover, and the plant or farm machinery section may have its own wording about public road use. Telling the insurer how far and how often you travel is generally the simplest way to avoid an argument later.
What drives the cost of John Deere equipment insurance?
It depends on your operation rather than on any published rate. The main drivers are the total value of the fleet, whether you farm your own country or contract for others, harvest fire season exposure, storage and shed security, operator experience including seasonal labour, and claims history. A broker can put a realistic number on it once those are known.
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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