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Farm Business
Agricultural Matters
Insurance, want to leave NFU, recommendations please ideally Glos
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<blockquote data-quote="Nigel Wellings" data-source="post: 7937174" data-attributes="member: 142724"><p>Most Insurers charge about twice the rate for comp cover on ATV's and RTV's that they do for tractors. I used to think it was unfair that RTv's were charged this higher rate. Last couple of years prove Insurers were right. We get as many stolen RTV claims as we do ATV's.</p><p>Generally no insurer will cover an ATV or RTV in isolation(because they are a higher theft risk), it has to be added to your existing tractor insurance policy. Some Insurers will give a discount for any of the devices you mention but the "discount" is irrelevant it is overall bottom line that matters. An immobiliser and/or tracker I think is well worthwhile. Dont fit it for the discount(probably only around 10%) but to avoid the hassle of having to replace it if stolen. I would suggest reasonable premiums are £150 at £7000 value, £250 at £15 000 value.</p><p>Hope that helps.</p></blockquote><p></p>
[QUOTE="Nigel Wellings, post: 7937174, member: 142724"] Most Insurers charge about twice the rate for comp cover on ATV's and RTV's that they do for tractors. I used to think it was unfair that RTv's were charged this higher rate. Last couple of years prove Insurers were right. We get as many stolen RTV claims as we do ATV's. Generally no insurer will cover an ATV or RTV in isolation(because they are a higher theft risk), it has to be added to your existing tractor insurance policy. Some Insurers will give a discount for any of the devices you mention but the "discount" is irrelevant it is overall bottom line that matters. An immobiliser and/or tracker I think is well worthwhile. Dont fit it for the discount(probably only around 10%) but to avoid the hassle of having to replace it if stolen. I would suggest reasonable premiums are £150 at £7000 value, £250 at £15 000 value. Hope that helps. [/QUOTE]
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Insurance, want to leave NFU, recommendations please ideally Glos
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