Tractor Insurance
Your tractor is the workhorse of the property. When it is out of action, everything from feeding to seeding stops with it.
We arrange tractor insurance that covers the machine in the paddock, on the road and on the back of a float.
One specialist broker who understands farm and ag plant, not a call centre reading a script.
Cover Built Around the Tractor That Runs the Farm
A tractor is a major capital asset that works across rough paddocks, farm tracks and public roads every season.
Each of those settings, field work, road travel and transport between properties, carries a different risk of damage, rollover or theft.
We structure cover that follows the tractor through all of it, so one incident does not stop the work or the income.
“A tractor is most exposed on the road, on sloping ground and when it is left in an unlocked shed overnight.”
What Tractor Insurance Typically Covers
Cover is tailored to the tractor and how you use it, and generally includes the following.
- Accidental damage, collision and rollover
- Fire, theft and attempted theft, including from the property
- Damage while the tractor is in transit on a float or trailer
- Fitted implements such as front-end loaders, slashers and post-hole diggers
- Storm, hail and flood damage where arranged
- Damage while operating on steep or unstable ground
- Use on public roads between paddocks and properties
- Cover across multiple properties Australia wide
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
The Risks a Tractor Faces
A working tractor carries exposures a road vehicle never does.
Rollover on Slopes
Working across hillsides, table drains and soft ground can roll a tractor, one of the most serious and costly incidents on any farm.
Theft From the Property
Tractors and their loaders are targeted from open sheds and paddocks, often on quiet rural blocks with no one about.
Road and Transit Damage
Moving a slow, wide machine between properties on public roads or on a float is a high-risk moment for damage.
Cover Types That Work With Tractor Insurance
Farm operators usually arrange one or two of these alongside the machine cover.
Get Tractor 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 Tractor 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 25Tractor Insurance: Frequently Asked Questions
Yes. Tractors regularly travel between paddocks and properties on public roads, so on-road use is built into the cover. We confirm it is included for the way you operate.
They can be. Front-end loaders, slashers, mowers, post-hole diggers and other attachments can be scheduled with the tractor so they are covered for damage and theft.
Yes. Theft from open sheds and paddocks is a common rural claim, and it is a key reason to insure a tractor properly rather than leaving it to a gap in a general farm policy.
Often, yes. Many farm tractors work for decades. We value the machine on its current worth and keep the sum insured realistic so you are not underinsured at claim time.
That is a liability exposure. We can arrange public liability alongside the machine policy so damage you cause on the road or on someone else's land is covered.
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.