Tractor and implements
Damage to the tractor and to attached or towed implements, scheduled by value.
Tractor Insurance
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Tractor Insurance
Cover for farm and contracting tractors and their implements.
A tractor is usually insured alongside the implements it pulls, and those implements are frequently worth more in total than the tractor itself.
What is it?
Tractors range from compact utility units on lifestyle blocks to high-horsepower articulated machines on broadacre country, from makers such as John Deere, Case IH, New Holland, Fendt, Massey Ferguson and Kubota. Implements include seeders, sprayers, slashers, balers and loaders.
What does tractor insurance cover?
Road use
Damage and liability while travelling on public roads between properties.
Liability
Third-party injury or damage arising from tractor operations.
What affects the cost?
- Tractor value, age and horsepower
- Implements owned and their values
- Contracting work versus own-property use
- Road travel frequency
- Shed storage and security
Worth raising on the call
- Implements are commonly under-insured relative to replacement cost.
- Contracting for others is underwritten differently from own-farm use.
- Road travel between blocks should be declared.
Claims we are commonly asked about
Engine bay fire in stubble
Chaff builds up around the exhaust while working in stubble and the engine bay catches, destroying the tractor and starting a paddock fire. The machine, the standing crop and any spread onto a neighbour's country generally sit under three different sections.
Rolled on a dam bank
A wheel drops over the edge of a dam bank while slashing and the tractor rolls onto its side, bending the loader and cracking the cab. Repair costs on modern cabs, glass and electronics regularly run well past what owners expect.
GPS gear stolen from the cab
A guidance dome and display are taken out of a cab in a shed overnight, with the same gear lifted from two neighbouring farms the same week. Precision equipment is often only recoverable where it was listed separately on the schedule.
Worth confirming in the wording
- Worth confirming whether cover applies while the tractor is travelling on a public road, and whether registration or a compulsory third party arrangement is required for that use.
- Worth confirming whether implements such as slashers, mulchers, seeding bars, loaders and buckets are inside the tractor's sum insured or need to be listed as separate items.
- Worth confirming how the wording treats damage occurring while the machine is operated by a contractor, a labour-hire worker or an inexperienced operator rather than by you.
Common questions
Is my tractor covered on my farm policy or do I need a separate one?
Most farm programs include a machinery or plant section that can carry a tractor, so a standalone policy is not always necessary. What matters is that the machine, its guidance equipment and its implements are listed at current values, because an outdated schedule is the most common source of a shortfall.
Am I covered driving a tractor on a public road?
Road use is usually a declared use rather than an assumed one, and it can bring registration and compulsory third party requirements with it depending on the state. If the tractor regularly travels between blocks on a public road, it is worth confirming the position before the next trip rather than after an incident.
Does tractor insurance cover mechanical breakdown?
Standard machinery cover generally responds to accidental damage from events such as collision, overturning, fire and impact, rather than to a mechanical or electrical failure through use. Breakdown cover exists as a separate extension in some wordings, so it is worth asking specifically rather than assuming it is included.
What does tractor insurance cost?
It depends on the machine and cannot be quoted in advance. The main drivers are the make, model and replacement value, horsepower and intended use, the guidance and precision equipment fitted, how much road travel it does, and how it is stored and secured.
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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General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.