Insuring a backhoe?

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?
 

grainboy

Member
Location
Bedfordshire
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,
 

digger64

Member
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

Member
Location
north lincs
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

Member
Location
Bedfordshire
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,
 
Location
southwest
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
 

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Man fined £300 for bonfire-related waste offences

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Written by William Kellett from Agriland

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A man has pleaded guilty at Newtownards Magistrates’ Court to waste offences relating to a bonfire next to the electrical sub-station on the Circular Road in Newtownards, Co. Down.

Gareth Gill (51) of Abbot’s Walk, Newtownards pleaded guilty to two charges under the Waste and Contaminated Land (Northern Ireland) Order 1997, for which he was fined £150 each and ordered to pay a £15 offender’s levy

On June 25, 2018, PSNI officers went to Gill’s yard, where they found a large amount of waste consisting of scrap wood, pallets, carpet and underlay.

Discussion with Northern Ireland Environment Agency (NIEA) officers confirmed the site...
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