Machine and implements
Damage to the machine plus buckets, augers, slashers and other implements, usually scheduled individually.
Kubota Insurance
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Kubota Insurance
Cover for Kubota mini excavators, compact tractors and utility vehicles.
Kubota's Australian fleet is small, valuable and easy to move, and that changes the claim pattern. Mini excavators and compact tractors are stolen off trailers and out of driveways far more often than large plant, and they spend far more of their life being towed. On this brand, theft and transit damage usually outrank mechanical loss.
What is it?
Kubota builds mini and midi excavators, compact and utility tractors, RTV utility vehicles, skid steers and compact track loaders, plus a wide mower range. In Australia the machines are common in landscaping, hire fleets, small civil work, councils and hobby farms. Attachments such as buckets, augers, slashers, post drivers and rotary hoes usually make up the second half of the asset value.
What does kubota insurance cover?
Theft from trailers
Theft of compact machines from trailers, driveways and unsecured sites, generally subject to security conditions.
Transit between jobs
Damage while being floated on a trailer, which is a leading compact machine claim.
What affects the cost?
- Machine and attachment values
- Where machines are stored overnight
- Trailer security and tie-down practice
- Hire out versus own use
- Landscaping, farm or civil work
Worth raising on the call
- Theft conditions around unattended trailers are worth reading before you rely on the cover.
- Implements are often the larger half of the total value and are the part most often under-scheduled.
- RTVs and mowers used on public roads need that use raised specifically rather than assumed.
Claims we are commonly asked about
Mini excavator taken off a trailer
A 1.7 tonne excavator chained to a tandem trailer in a suburban driveway is gone by morning, along with the trailer. Claims like this commonly turn on whether the locks, chains and storage arrangements described when the cover was arranged were in place on the night.
Machine comes off in transit
A poorly restrained mini excavator shifts on a roundabout and comes off the trailer into traffic, damaging the machine and other vehicles. Transit incidents are one of the leading compact machine losses, and they usually bring a liability component with them as well as the machine repair.
RTV rolls on a wet slope
A utility vehicle tips over on a wet paddock slope, bending the ROPS frame and injuring the rider. Injury to the rider is generally dealt with under personal injury or workers compensation arrangements rather than the plant policy, which typically responds only to the vehicle damage.
Worth confirming in the wording
- Worth confirming whether theft cover responds when a machine is left on a trailer or in an open driveway rather than inside a locked shed or fenced compound.
- Worth confirming whether damage during loading, unloading and tie-down is treated as transit damage, and whether the trailer itself is covered at all.
- Worth confirming whether the policy responds when a mower, RTV or compact machine is being operated by a casual, volunteer or untrained person.
Common questions
Is my mini excavator covered while it sits on a trailer overnight?
It depends entirely on the theft conditions in the wording. Many policies apply stricter conditions to machines left on trailers or in open driveways than to machines locked in a shed, and some require specific locks or immobilisers. It is worth reading the security conditions before you rely on the cover for the way you actually store the machine.
Do I need insurance if the machine only ever works on my own property?
There is no legal requirement in that situation, but the exposures do not disappear. Fire, theft, storm and accidental damage still apply, and a machine that never leaves the farm can still be stolen from a shed. Whether it is worth insuring generally comes down to what replacing it unexpectedly would do to your cash flow.
Are buckets, augers and slashers included with the machine?
Usually not automatically. Implements are commonly scheduled as separate items with their own values, and on compact machines they often add up to as much as the machine itself. Keeping the implement schedule current is generally the easiest way to avoid being underinsured after a shed fire or a theft.
What does Kubota insurance cost?
It depends on your setup rather than on a standard rate. The main drivers are the combined machine and attachment values, where machines are stored overnight, trailer security and tie-down practice, whether the gear is hired out, whether the work is landscaping, farming or small civil, and your claims history.
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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