Tractor Insurance

There is a way of lightening the load in your tractor insurance.

Shearwater’s understanding of tractors

Hobbyist farmers, landscapers and small holders might not need the extensive coverage offered through agricultural vehicles policy, which is designed for more heavy commercial use. But they still may own an expensive asset that allows them to do their work and needs protecting; namely a tractor.

  • Low excess
  • Trailer and implements cover
  • Comprehensive, third party fire and theft and third party cover
  • Cover for the insured and any authorised driver
  • Legal cover

Protection for your tractor is too complex to be tackled by insurance brokers who are inexperienced in this area. The mechanics and uses for your tractor put it in a different league to other vehicles, something we understand at Shearwater. We have access to insurers who deal with the needs of tractor owners every day, whatever their uses, and our team have the experience to guide you towards the tractor insurance policy quotes that are going to match up to those needs.


What do you need to protect your tractor against?

Fires are a common insurance occurrence, and can be caused by an oil or diesel leak coming into contact with a high temperature object such as the vehicle’s turbocharger, or dust and debris around the engine compartment.

Despite their size and speed capabilities, farm tractors are frequently stolen. Because they’re not perceived as being the easiest of theft targets, keys will often be left in the ignition, or the vehicle itself left by the roadside. The simple approach answer is to treat your tractor as you would your car when it comes to security, or with even more caution, given its expense.


The need for speed

Today’s tractors are faster, and more speed means an increased likelihood of you being involved in or causing an accident. Any damage you sustain, or cause to third party property could cost you dearly, both personally and financially. Comprehensive insurance can provide cover for you and your tractor.


  • 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.