Farm Machinery Insurance
Modern farm machinery is a major investment that only earns during a short, weather-driven window each season.
We arrange farm machinery insurance that covers headers, balers, sprayers and the gear the season depends on.
Specialist agricultural plant cover, not a line buried in a general farm policy.
Cover for the Machinery a Season Depends On
Harvesters, air seeders, balers, boom sprayers and tillage gear represent hundreds of thousands of dollars sitting in the shed and the paddock.
They work hard over a few intense weeks, then sit idle, and both phases carry a real risk of fire, theft and damage.
We structure agricultural machinery cover that protects the whole fleet of implements through the season and the off-season.
“Self-propelled harvesters are most at risk from fire in the field, and idle machinery is most at risk from theft and storm.”
What Farm Machinery Insurance Typically Covers
Agricultural plant cover is tailored to your equipment and operation, and generally includes the following.
- Accidental damage, collision and overturning
- Fire, including header and harvester fires in the field
- Theft and attempted theft from sheds and paddocks
- Storm, hail and flood damage where arranged
- Damage while machinery is in transit between properties
- Self-propelled machinery such as headers, sprayers and forage harvesters
- Towed and mounted implements such as balers, seeders and tillage gear
- Hired-in and contractor-operated machinery where arranged
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
The Risks Farm Machinery Faces
Agricultural equipment carries exposures that change with the season.
Header and Machinery Fires
Chaff, dust and heat make harvester fires a leading cause of major machinery loss during harvest.
Theft and Storm in the Off-Season
Idle machinery parked in open sheds is exposed to theft, and to storm, hail and flood over the wetter months.
Breakdown at the Worst Time
A failure in a narrow harvest window can stop the whole operation, which is where downtime and hire cover matter.
Cover Types That Work With Farm Machinery Insurance
Most growers and ag contractors arrange one or two of these alongside the machinery cover.
Get Farm Machinery Insurance Sorted Properly
Talk to a specialist transport and plant broker who knows what your asset is worth and how it works.
Call 1300 78 78 25Other Vehicles & Equipment We Cover
Most operators run more than one type of asset. These are the ones most often insured alongside it.
Get a Farm Machinery Insurance Quote
Tell us about your asset and how you use it. We’ll arrange cover that fits and respond within 1 business day.
Call us1300 78 78 25Farm Machinery Insurance: Frequently Asked Questions
Headers and harvesters, tractors, air seeders, boom sprayers, balers, mowers, tillage gear and other implements can all be covered, whether self-propelled, towed or mounted.
Yes. Fire in the field is one of the biggest agricultural machinery losses, and fire cover is a core part of the policy. We confirm it is included for your gear.
Yes. Much of a season's machinery sits idle for most of the year, so cover for theft, storm and damage while stored is just as important as in-use cover.
Often, yes. If you hire equipment in or run as a contractor, you can be responsible for machinery in your care, and we can arrange cover so you are not exposed to someone else's claim.
We value each machine on current worth and keep the schedule up to date across the season, so a total loss on a high-value header is not underinsured.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.