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Farm Motor Insurance

At HH Insurance Brokers, we understand that running a farm often means managing a wide range of vehicles. Our farm motor insurance policies allow you to cover multiple vehicles under one convenient policy, saving you the time, hassle and cost of arranging separate cover for each vehicle.

Farm Motor Insurance – Multi-Vehicle Agricultural Cover

We offer flexible farm fleet insurance options, including fleet-rated motor insurance policies and no-claims discount-based policies, with the ability to protect individual no-claims discounts on specific vehicles.

Vehicles We Can Cover

Our policies can protect almost any type of vehicle you use on your farm, including:

Private cars
Commercial vehicles – vans, pick-ups, 4x4s, HGVs, livestock and horse lorries (commercial vehicle insurance)
Agricultural vehicles – tractors (tractor insurance), articulated tractors, combines, forage harvesters, diggers, dumpers, excavators, forklift trucks, quad bikes & ATVs, all-terrain cycles, lawnmowers, loaders, loading shovels, sprayers, telehandlers, UTVs/TRVs

Standard Cover for Agricultural Equipment

Designed specifically for agricultural businesses, our farm motor policies typically include:

Unlimited cover for agricultural trailers, horse trailers, and trailed equipment (ploughs, drills, rollers, balers, spreaders, wrappers, hedge-trimmers)
Cover for front-end attachments (forks, grabs, squeezes, mowers, baskets) whether attached or detached
Extensions for fitted GPS equipment and other specialist farming technology

For wider protection, we can also combine this with agricultural business insurance to safeguard your entire operation.

Flexible Driving Options

Our policies can be tailored to your needs, with options such as:

Any driver cover (over a set age) for maximum flexibility
Named driver cover to reduce premiums on higher-value vehicles
Emergency third-party car driving extension (subject to underwriter approval)

Cover Beyond the Farm

We know that farming life often overlaps with other professions. That’s why commuting to a single place of work (outside the farm) is automatically included. We can also extend cover to other occupations, such as:

Land Agents
Agronomists
Forestry and Arborists - find out more
And more – just tell us your requirements

Choose Your Level of Protection

Each vehicle can have its own cover type, including:

Comprehensive
Third Party, Fire & Theft
Third Party Only
Laid-up – Fire & Theft

Whether you need multi-vehicle farm insurance, specialist tractor insurance, or protection for your entire agricultural fleet, our team can help you find the right cover.

We also offer a range of valuable additional covers such as breakdown cover, replacement vehicle cover and motor legal expenses.

Get in touch with our farm motor insurance experts

Our specialist team is committed to saving you both time and money, from including various attachments in your policy to fine tuning the details of your chosen coverage.

Get a Quote

Related insurance products;

Lee Sparrow a insurance broker sitting at his desk on a call

Lee Sparrow, Account Executive | Property

Delivering outstanding service to our customers

Feefo’s Gold Trusted Service Award in recognition of outstanding customer excellence.

Excellent customer service is in our nature; it is who we are and what we stand for. We are very proud of our team and the services they offer. Take a peek at some of our customer feedback.

Customer feedback

Bespoke farm motor insurance, what does it mean to me?

Due to our expertise and specialism in the rural sector and the fact that we are an independent broker, ensures we are able to deliver insurance policies tailored to your individual requirements – whether you are a farmer, agricultural contractor, smallholder or a landscaper.

Driving a tractor on the road requires insurance

The Road Traffic Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other people or people's property resulting from use of a vehicle on a road. It is an offence to drive your car or allow others to drive it without insurance.

As the variety and value of farm vehicles and equipment increases its important to know you have insurance cover should the worst happen

We regularly see agricultural vehicles with six figure values, as well as increasingly expensive attachments such as balers. Our Farm Motor insurance clients can be rest assured that an unlimited number of front and trailed attachments are automatically covered by the policy.

Motor Legal expenses cover for Private Cars, Commercial vehicles and Agricultural vehicles

Unlike many other providers who may only offer legal cover for cars and commercial vehicles, we can offer this cover for all vehicles insured on the policy, including tractors, combines, loadalls etc.

We are a Claims Lead Organisation

Should the worst happen, our claims team are there to support clients through the claim process. All of our Motor Insurance policies are issued with specific guidance on what to do in the event of an incident. Therefore, you can be rest assured that you will be well informed on the best course of action to protect yourself in the event of a motor accident.

Corinne Cooper, Account Executive, North East & North Yorkshire

FAQ's

1. What is farm motor insurance?

Our insurance polices offer cover ranging from "Third party insurance" which is is the legal minimum. This means you're covered if you have an accident causing damage or injury to any other person, vehicle, animal or property. Right up to "Comprehensive" cover which includes cover for your own damage to a vehicle, trailer or attachments.

2. Do all farm vehicles need insurance?

It is important to note that Road Traffic Act references to 'road' generally include footpaths, bridleways and cycle tracks, and many roadways and driveways on private land (including many car parks). In most cases, the law will apply to them and there may be additional rules for particular paths or ways. Therefore it is advisable for all self propelled vehicles to have a minimum of Third Party Insurance.

3. What extensions to cover are available under farm motor insurance policies?

Policies automatically cover an unlimited number of trailers and attachments, whilst attached or detached, as well as some polices offering cover for fitted GPS equipment.

4. Do you need to a licence to drive a tractor on the road?

In order to drive a tractor on the road, you need to have a category F driving licence.

A category F licence can be obtained in two ways:
1. Passing a car driving test, category F is automatically acquired
2. Passing a standalone tractor driving test (available from age 16 years). This allows you to drive agricultural tractors and trailers with a maximum width of 2.45m only. This width restriction applies to both the tractor and the trailer with either a single axle or close coupled double axle. It will not cover any other type of vehicle.

5. Is Agricultural Contracting covered?

Any agricultural contracting should always be disclosed however minor. Some insurers may allow a small percentage of contracting at no extra charge but additional premiums will usually apply.

6. How can I reduce my premiums?

Most insurers will offer discounts for restricted driving on cars and commercial vehicles along with discounts for voluntary excesses.