Mini digger insurance

MrOl · Aug 5, 2022

NFU aren’t able to insure a mini digger I’m thinking of buying on my ag vehicle schedule as they are ‘high risk’. Any suggestions of who insures mini diggers and what sort of amounts you pay for annual premiums (this is just for use around farm - not hiring out or doing contracting work)?

Lincs Lass · Aug 5, 2022

I get mine through NFU as part of my liabilty insurance ,covered under contractor all risk ,,thats for hired in machinery and my tools ,50k of cover for each

Suffolksucklers · Aug 5, 2022

NFU insure ours and have added on extra ones that we have hired from time to time

MrOl · Aug 5, 2022

Apparently I could if I had a full farm business insurance policy…but I’m just a small holder and so just have an ag vehicle policy and a home insurance policy that covers the farm buildings…and it can’t be insured under either of those. Tried a couple of other insurers but they will only do under a business/trade policy. Think I might just have to hire in as needed rather than buy one.

nick... · Aug 5, 2022

Mine came this week from nfu,just theft and damage really and £267 for 5 year old Volvo ecr25d.won’t bother insuring it as it rarely leave the yard these days with the white diesel nonsense and usually operate customers machines anyway.far easier and less hassle
Nick…

How much · Aug 5, 2022

if its a JCB try Jcb insurance the are pretty good , I'm not certain if they do other brands they may well do worth call for sure

Highland Mule · Aug 5, 2022

MrOl said:
Apparently I could if I had a full farm business insurance policy…but I’m just a small holder and so just have an ag vehicle policy and a home insurance policy that covers the farm buildings…and it can’t be insured under either of those. Tried a couple of other insurers but they will only do under a business/trade policy. Think I might just have to hire in as needed rather than buy one.

Try an different NFU agency office for a second opinion. Some are better at interpreting the rules than others.

Ffermer Bach · Aug 5, 2022

FUW, but not sure they insure outside Wales.

Steevo · Aug 5, 2022

MrOl said:
Apparently I could if I had a full farm business insurance policy…but I’m just a small holder and so just have an ag vehicle policy and a home insurance policy that covers the farm buildings…and it can’t be insured under either of those. Tried a couple of other insurers but they will only do under a business/trade policy. Think I might just have to hire in as needed rather than buy one.

My 7.5t is insured on my Ag Motor Policy. I think your agency may have things a bit wrong. It would never be insured under a farm business policy.
I suppose it may be different if you are using it as part of another business.

I’m also surprised they insure farm buildings under the house policy. That seems most strange.

Ffermer Bach · Aug 6, 2022

Steevo said:
My 7.5t is insured on my Ag Motor Policy. I think your agency may have things a bit wrong. It would never be insured under a farm business policy.
I suppose it may be different if you are using it as part of another business.

I’m also surprised they insure farm buildings under the house policy. That seems most strange.

I think the NFU are quite strict with their fleet policies

box · Aug 6, 2022

Am I the only one that can't see how a mini digger is "high risk"?

High risk of theft? Rollover? Fire?

Lakesdigger · Aug 6, 2022

box said:
Am I the only one that can't see how a mini digger is "high risk"?

High risk of theft? Rollover? Fire?

Depends what you might pull out the ground

ste · Aug 6, 2022

Got mine on my Ag tractor policy through these https://rowett-insurance.co.uk/ I don't have any business insurance as I'm only a small holder as well now so no business needed

2 tractors, mini digger and bobcat £415 up £3 on last years, also includes any machine or trailer attatched or not

Lincs Lass · Aug 6, 2022

box said:
Am I the only one that can't see how a mini digger is "high risk"?

High risk of theft? Rollover? Fire?

Mini diggers or 20 tn machines ,they are all potential theft targets .

Highland Mule · Aug 6, 2022

Steevo said:
I’m also surprised they insure farm buildings under the house policy. That seems most strange.

NFU have quite a few add-on policy extension options which are very good value ways for smaller farms/ smallholdings to get cover for outbuildings/ land/ stock etc. on a household policy.

nick... · Aug 6, 2022

box said:
Am I the only one that can't see how a mini digger is "high risk"?

High risk of theft? Rollover? Fire?

Plenty get hiabed onto lorry’s never to been seen again.anything underground would be classed as public liability as mine is,I’m insured to 3 metre depth but apart from treatment plants I rarely dig to over a metre.
nick…

box · Aug 6, 2022

nick... said:
Plenty get hiabed onto lorry’s never to been seen again.

Amazing.

Surely mandatory GPS trackers would be the go then.

nick... · Aug 6, 2022

box said:
Amazing.

Surely mandatory GPS trackers would be the go then.

I think the manufacturers rely on one unit getting stolen another is getting sold Theory.you can get trackers and I’m sure a lot are fitted.no tracker on mine as it’s in my locked workshop every night unless I’m 100% certain it’s safe being left.
nick…

box · Aug 6, 2022

nick... said:
it’s in my locked workshop every night unless I’m 100% certain it’s safe being left.
nick…

Hmmmmmmm

Milwaukee-M18-fuel-Braking-Angle-Grinder-2883-Review-07.jpg

It's only safe and sound in the locked workshop until you get there in the morning and it's gone.

nick... · Aug 6, 2022

box said:
Hmmmmmmm
View attachment 1054507 View attachment 1054508

It's only safe and sound in the locked workshop until you get there in the morning and it's gone.

Fair comment but you don’t know where I live and access etc
nick...

Mini digger insurance

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