Agricultural Vehicles Insurance

Who would have thought your private car and combine harvester could come under the same policy? 

One policy to fit all

For all the vehicles on your farm, each is likely to serve a very specific purpose, and this needs to be considered when arranging insurance. Are the vehicles in question ever used on the road? Are they small enough to be spirited away by thieves, or so cumbersome that they’re at a greater risk of causing damage to third party property?

Agricultural vehicles collectively present these diverse risks, which is why we at Shearwater can present an insurance option dedicated to them alone.

  • Trailers and goods
  • Hired in vehicles
  • Legal liability covering injury or death
  • Comprehensive or third party
  • Theft cover

At Shearwater, we don’t presume to know which vehicles you use on your farm. Having worked with agricultural businesses of varying operations for over 20 years we know better. We’re not just talking tractors and combine harvesters; agricultural vehicles can include cranes, excavators, diggers, forklift trucks and All Terrain Vehicles (ATVs).

Rather than insuring all of these vehicles individually, which would take considerable time and effort, an agricultural vehicle insurance policy can cover them, alongside any private cars you own under one policy; an option which could even work out cheaper.


Taking it off road

If you have vehicles that you know are never going to set a tyre on the road, then you can declare it SORN (Statutory Off Road Notification) to the Driver & Vehicle Licensing Agency (DVLA) so it’s not insured for Road Traffic Act cover. However if at any point you do use your vehicle on the road, even if only briefly, it must be insured at least for third party road risks.



Keeping machinery in check

Some of your vehicles may come under laws governing their inspection; if they are air compressors or lifting equipment such as a forklift truck, for example. If you have any vehicles that fall into this category then we can look into the possibility of arranging a farm vehicle insurance policy which features engineering inspection, or put you in contact with an approved engineer ourselves.

  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get In Touch Today

Put your insurance in the hands of the experts at Shearwater.  Phone us today on 01992 718666 or request a quote online.