Insuring a backhoe?

[edessex]

I've got an unusual machine which is effectively a light tractor with a backhoe (albeit front mounted). It's road-legal.

I'm struggling to find insurance for it, and after a conversation with NFU mutual today, it sounds like it's because of the intended use.

Part of my work is gardening / landscaping, and the machine will be used for that from time to time.

Has anyone had similar issues finding insurers, or able to recommend a company who can assist?

 

[ollie989898]

I'm surprised, the NFU won't offer to insure all your kit for landscaping work?? You'd think this would be right up their street.

 

[Jason PaceWard]

I'd be happy to have a look at this for you as we have a number of insurers we can approach. If you'd like to give me a call when you're free i'd be happy to discuss.

 

[grainboy]

The NFU don’t like risk, unbelievable quotes for public liability, and machine cover,
And when you are insured with them, when there’s a claim, it’s underwritten, and they wash their hands of any claims,

 

[nick...]

JCB insurance seems popular for plant,but hellishly dear for only a few days
nick...

 

[digger64]

I've got an unusual machine which is effectively a light tractor with a backhoe (albeit front mounted). It's road-legal.

I'm struggling to find insurance for it, and after a conversation with NFU mutual today, it sounds like it's because of the intended use.

Part of my work is gardening / landscaping, and the machine will be used for that from time to time.

Has anyone had similar issues finding insurers, or able to recommend a company who can assist?

Our very small 50 hp articulated telehandler is classed as on the reg. Document and insured as an excavator - much cheaper ,( with nfu )

 

[Lincs Lass]

NFU liability cover has ,,contractors all risk ,,on mine its 50k of owned equipment and 50k of hired in which covers me for any plant hired from the builders merchants Im with

 

[grainboy]

NFU liability cover has ,,contractors all risk ,,on mine its 50k of owned equipment and 50k of hired in which covers me for any plant hired from the builders merchants Im with

But at what premium cost, I’ve had no liability of machinery claims. But they were not interested in renewing other than at an exorbitant cost, especially with hired in machinery,

 

[Lincs Lass]

But at what premium cost, I’ve had no liability of machinery claims. But they were not interested in renewing other than at an exorbitant cost, especially with hired in machinery,

£418 py .

 

[grainboy]

Oh okay,
I don’t know then what’s going on with my NFU insurance team,
Will be having words, as have been with NFU for various for s long time ,

 

[betweenthelines]

There's a little used Motor vehicle insurance level known (I think) as Road Traffic Act which provides the very basic level to use a vehicle legally on the road (less cover than normal third party)

For work, it should be insured under your Public Liability policy

 

[edessex]

NFU said they'll only quote including liability ins for my business as a whole, and not just insurance for the machine.

She seemed surprised when I said quote for it all then! Should get a call/email tomorrow.