What is tractor insurance?
El tractor insurance It is a RC policy that you must have contracted. Tractors, in addition to agricultural machinery, are registered motor vehicles and the law establishes the obligation to insure the tractor with a mandatory civil liability insurance, known as traffic insurance or also third party insurance.
Why take out civil liability insurance for tractors?
This Insurance covers civil liability for material and personal damage that the insured may cause to third parties with the tractor in the event of an accident. This coverage that must be in force to be able to drive our tractor is the same as that required for cars, motorcycles and trucks.
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Advantages of taking out tractor insurance
Maximum security in the field
It covers mandatory civil liability for any unforeseen event with the insured tractor, with the possibility of expanding coverage and guarantees.
Legal defense
With a claim for damages and management of fines in addition to coverage of the expenses of the administrative, judicial or arbitration process derived from a traffic accident with the insured tractor.
Extend the guarantees of your policy
You will have the option to extend the protection and guarantees of your policy to the needs that you consider suitable for your company or agricultural activity.
Basic and optional coverage in tractor insurance
*Click on coverage to see more details
Mandatory Civil Liability
Insurance for agricultural machinery and tractors guarantees coverage for compensation derived from mandatory civil liability required by law, and for material and personal damage caused to third parties as a direct consequence of traffic involving the insured tractor.- Compensation established by Law for damages caused to third parties.
- Vehicle age must be less than 30 years.
Voluntary Civil Liability
This insurance also includes voluntary civil liability coverage, that is, if the compensation exceeds the maximum limit legally established in the mandatory civil liability coverage, you are provided with complementary capital.- Extends the Mandatory Civil Liability guarantee up to €50.000.000.
- Vehicle age must be less than 30 years.
Legal defense and claim for damages
It also has legal defense coverage, mandatory in legal processes and claims for damages to the insured drivers of your business, who are involved in an accident as a result of a traffic accident, which occurred with the insured tractor.- Lawyer, court and criminal bail expenses (limit €1.500, with external lawyers, €6.000 if designated by the Insurer).
- Claim for damages caused by a third party.
- Compensation advance (Max, €15.000).
- Management and processing of fines, and administrative resources.
- Telephone Legal Assistance.
- Vehicle age must be less than 30 years
Accident insurance for the tractor driver
Another guarantee that is extremely important to have in our Tractor Insurance is occupant coverage or Driver Insurance. It consists of protection that is contracted in more than half of tractor policies and that is highly recommended because it offers coverage to the driver in the event of an accident.
Tractors, due to their size and robustness, are vehicles that have a typical driving style and that move through fields and large unevenness in the ridges, during the work carried out in the field. In this sense, tractor overturning is a relatively common and very dangerous accident for the driver of a tractor.
That is why a good tractor insurance You must have, at a minimum, mandatory and voluntary Civil Liability coverage, legal defense and damage claims. And of course the driver accident guarantee.
- Death and Permanent Disability: €18.000
Civil liability of works
- Individual RC Jobs. Limit up to €60.000 per claim per year.
Claims suffered by the Insured due to the use of the vehicle described in the particular conditions are covered when accidents occur while carrying out the corresponding agricultural work.
Windscreens
Repair or replacement of windows is covered for an amount of €600.00 at first risk.Card withdrawal coverage
The license withdrawal guarantee is present in some tractor policies, something that is normal, as it is a vehicle that is used as a work tool by farmers and professionals.Windscreens, fire and theft
The coverages that are normally included in Extended Third Party Insurance can also be contracted for the tractor. The fire and theft guarantee is common among insurance for tractors and agricultural machinery.Compensation for stoppage
This guarantee consists of a daily subsidy payment as a result of the insured vehicle having to remain immobilized due to a covered incident.Prices of our civil liability insurance for tractor
*Prices subject to possible variation
Classic from 71,31€/year | More from85,03€/year | First from 150,74€/year | |
|---|---|---|---|
Compulsory civil liability | |||
Voluntary civil liability | |||
Defense and claim for damages | |||
Driver Accidents | |||
Civil liability of works | |||
Windscreens | |||
Trailer coverage | Optional + €10.67 | Optional + €8.70 | Optional + €8.70 |
Swipe to see the full table.
Frequently asked questions on tractor insurance
For whom is this insurance designed?
Why do I need this insurance for my agricultural operation?
Is roadside assistance covered?
How old can the tractor be to be able to take out this insurance?
At most, how old do I have to be to be able to take out this insurance?
Is damage caused by a third party's exploitation covered?
Is damage caused by carrying out an activity other than agriculture covered?
Can I contract damage to my tractor?
What type of work does Civil Liability for work cover?
find out about the tractor insurance
The agricultural vehicles registered as tractors They must have a insurance Mandatory of Civil liability.
Apart from the coverage of Mandatory Liability, the tractor policy offers other optional complementary coverages so that you are protected against all unforeseen events, such as broken windows, personal accidents or withdrawal of your driving license.
Insurance for agricultural vehicles, such as a tractor, is designed to guarantee coverage for both agricultural machinery and tractors and people. This insurance is also characterized by additional guarantees that allow the insurance contract to be adapted to the specific needs of each business.
