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.
Key Cover
Replacement keys or locksmiths can be very expense. Key cover provides insurance cover for lost or stolen keys and you also have cover if you lock your keys in your home or vehicle and require a locksmith to gain entry.
All for a low cost price of £16.50
Speak to one of the Shearwater team today about adding this on to your policy.
Motor Legal Insurance
For £37.50 adding on Motor Legal Insurance could save you £1000s in the event of an accident or dispute.
This policy is designed to cover the cost of professional fees charged by a solicitor following a specific occurrence, provided that cover for that occurrence is detailed within the policy wording and not specifically excluded.
For more information speak to a member of the Shearwater team today.
-
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.
-
Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
-
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
-
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.
-
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
-
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
-
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.
-
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.
-
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!