Farm Motor Policy

A wide range of cover

Our Farm Motor policy is underwritten via MSIG Europe, who have a long and established reputation in the farm insurance sector. With MSIG Europe we can cover risks ranging from single tractors right through to large multi-vehicle fleets.

Product features

Risk appetite and benefits

• Agriculture vehicles, trailers and special types
• Commercial vehicles
• Horseboxes
• Private cars
• Fleet rated risks
• NCD rating available with free protected NCD benefit for qualifying vehicles
• Bespoke solutions available for larger opportunities
• Farms, estates, private clients, smallholders.
  
  

Standard Covers

• Third party
• Death or bodily injury (unlimited cover)
• Property damage for cars up to £20,000,000 limit
• Property damage for all other vehicles up to £5,000,000 limit
• Prosecution and defence costs up to a limit of £2,000,000
• Cover for unauthorised movement of third party vehicles
• Cover for unlicensed drivers where a license is not required by law
• Indemnity to principals
• Uninsured loss recovery service up to a limit of £100,000
• Legal services & advice helpline.
  
  

Typical Benefits

Trailers

• Unspecified trailer / implements insured to the same level of cover as the towing vehicle (up to a value of £100,000)
• Attached and detached trailer / implement cover.
  
  

Personal

• Personal effects cover up to a limit of £500 for any one event
• Medical expenses cover up to £500 per person
• Personal accident benefits cover to the driver up to a limit of £10,000
• Emergency accommodation up to £100 per person or £400 per incident.
  
  

Vehicle

• £30,000 cover for GPS equipment
• Replacement keys and locks up to £1,250 per vehicle
• Child seat insurance up to £500
• Unlimited cover for permanently fitted audio equipment when included in the market value of the vehicle
• Incorrect fuelling cover
• New vehicle replacement for private cars or commercial vehicles less than 7.5 tonnes in first year of registration
• Courtesy vehicles where available when using an approved repairer.

We are proud to partner with MSIG Europe

MSIG Europe is our capacity provider for Farm Motor policies.

MSIG Europe SE, UK Branch with the company registration number FC038781 and offices at The Leadenhall Building, 122 Leadenhall Street, EC3V 4AG. Tel. +44 (0)20 7746 1000.

MSIG Europe SE is authorised and regulated by the National Bank of Belgium. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.