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A Guide to Farm Fleet Insurance

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
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Feb 20243

Farm fleet insurance is a type of insurance specifically designed to provide cover for multiple vehicles operated by a farm or agricultural business. These vehicles may include horseboxes, livestock lorries, Pickups, trucks, trailers, harvesters, and other specialized machinery used in farming operations. Farm fleet insurance typically offers coverage for various risks such as accidents, theft, vandalism, and damage to vehicles, as well as liability coverage for bodily injury and property damage that may occur as a result of farm-related activities.

This type of insurance is tailored to the unique needs of agricultural businesses and often provides cost savings compared to insuring each vehicle individually.

In order to get the best deal on farm fleet insurance or indeed any insurance product, it’s vital that you compare quotes from a wide range of providers

We can provide you with access to a range of quotes from a panel of UK fleet insurance brokers that are able to tailor polices to you or your business's individual requirements.

  • Cover available for all types of farm vehicles
  • Polices can be tailored to your agricultural business requirements
  • Flexible payment options
  • One short form – save time & money
  • All Fleet sizes from 2 upwards or a mix of vehicles.
  • Specialise any driver fleet insurance available with constraints to lower costs

What are the the levels of cover available?

There are three major levels of cover for farm fleets, which includes:

  • Third Party Only : This is the minimum level of cover required by the law. Third-party-only insurance will offer protection for damages you causes to the third party vehicle or property 
  • Third Party Fire and Theft : This level of cover offers all protections in the third party only, plus additional coverage for any damage to your fleet of bikes caused by fire or theft.
  • Full Comprehensive : Consider this the highest level of coverage, which includes everything in the previous cover levels plus protection for damages to your own fleet, even if you or one of your drivers are responsible.

Insurers providers will also offer you the option of adding on extra features to increase protection, these are optional. Popular add-ons include:

  • Breakdown Cover : If your fleet vehicles are new, they may already have breakdown cover included in the first 2 or 3 years. 
  • Uninsured driver promise : This cover will protect your no-claims discount and reimburse any excess reimbursed if you’re involved in an accident with an uninsured driver.
  • Goods in transitinsures any goods you are delivering or transporting.

Types of Fram Vehicles

Below are just a few examples, and there are many other specialized vehicles and implements used in farming, depending on the specific needs and scale of the operation.

  • Tractors: Used for ploughing, tilling, planting, and other fieldwork tasks.
  • Lorries or Trucks: Used for transporting harvested crops, livestock, equipment, and supplies around the farm.
  • TATVs (All-Terrain Vehicles) or UTVs (Utility Task Vehicles): Small, versatile vehicles used for tasks such as herding livestock, patrolling fields, or transporting small loads.
  • Trailers and Pickups: Attached to trucks or tractors for hauling materials, equipment, or livestock
  • Harvesters: Machinery designed to harvest crops, such as combine harvesters for grains or cotton pickers for cotton.
  • Sprayers: Vehicles equipped with spraying equipment for applying fertilizers, pesticides, and herbicides to crops.
  • 4x4 Vehicles : example pickup

Factors that Impact the costs of Farm Fleet Insurance

Lowering the cost of farm fleet insurance quotes entails taking steps to lower your risk of insurance claims. As potential payouts can be very significant, it is important and in some cased the insurance company will mandate that you follow strict guidelines in lowering the risk of accidents. Some of these areas include

  • Security: It is important that these vehicles are always kept secure, follow guidance from your insurance company and the government guidance legislations. 
  • Drivers: You may find that any perspective insurance company will insist on experienced drivers that have a verified history of safe driving,. 
  • Implement Regular Training : Accidents happen, if you notice a trend consider the cause and implement training or take action to promote a higher degree of driver responsibility. Example, award drivers that do not make claims. Maybe extreme, but you could make drivers responsible for the vehicle excess amount or a percentage of. 
  • Voluntary Excess amount : the amount you or the business will take responsibility for in any claim. Increasing this will normally reduce your annual policy. Speak with your broker on this option.
  • Over 25 : Policies that are strictly over 25 will be cheaper than an over 21 policy. Remember, you may be able to separate out the higher risk drivers as named only drivers. So you may opt for any driver multi van policy that stipulates that all drivers must be over 25 and under 75. Drivers that do not qualify or meet these conditions could be added as named drivers.
  • Named Only: Type of policy, named, or any driver and driver restriction imposed in the policy.
  • Multiple Quotes : Like any purchase, you will need to do some upfront research to help find the best quote that meets your requirements and is also affordable. 

Time to get farm fleet insurance quotes?

As our name suggests, we can provide multiple quotes for farm fleet insurance. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!

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  • Policies can be Tailored to your farm business requirements
  • One short form – save time & money
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