Farm Motor insurance

We know that when you work in agriculture, your vehicles are critical to the day-to-day operation of your business. In a constantly evolving world, vehicles of all shapes and sizes are playing an increasingly vital role in realising your farm’s true potential.

We’ve designed our Farm Motor product with ambitious farmers in mind, helping ensure the policy gives you the confidence you need to thrive, supporting your business as it grows, by allowing you to add more vehicles as it does so.

Our Farm Motor product takes care of all your farm vehicles, private and commercial, under one policy — from cars to commercial goods vehicles and from ATVs to class-leading combines.


  • Selling points
  • Covers
  • Policy documents
  • Making a claim

Farm Motor Selling points

  • Cover designed specifically for farmers and agricultural trades
  • Combine agricultural vehicles, commercial vehicles and/or private cars on one simple policy
  • Standard unspecified agricultural trailer and implement cover of £100,000 (attached and detached)
  • Agricultural vehicle GPS equipment automatically covered up to £20,000
  • Vehicle Value Accumulation Limit £5,000,000 as standard
  • Multi Section Vehicle Discount if you insure more than one type of vehicle, including an agricultural motor vehicle
  • Multi-vehicle cover on a book and bonus basis
  • Start with one vehicle and add others as they renew or the business grows
  • Fast and efficient UK based claims from Agrical – experts in rural claims
  • Statement of fact for efficient policy administration
  • One policy with one premium and convenient instalments available
  • In addition, four levels of breakdown cover are available

Farm motor Covers

Private cars, agricultural and commercial vehicles

  • Comprehensive, third party fire and theft or third party cover
  • New for old replacement on private cars and light commercial vehicles following total loss accident, fire or theft within 12 months of first registration
  • Standard unspecified agricultural trailer and implement cover of £100,000 (attached and detached)
  • Agricultural vehicle GPS equipment automatically covered up to £20,000
  • Replacement glass cover with automated billing
  • Replacement locks following attempted theft or loss of keys
  • Driving abroad cover for up to 90 days per trip in EU countries
  • No claims discount available

Legal liability for death, injury and damage

  • Third party liability and legal costs incurred

Personal effects cover

  • Cover for belongings in your vehicle

Security discount

  • 7.5% security discount on all agricultural vehicles that are fitted with a Thatcham approved engine immobiliser

4 levels of optional breakdown cover available

  • Level 1: UK Roadside Assistance with Local Tow within 15 miles
  • Level 2: UK Roadside Assistance and Nationwide Recovery
  • Level 3: UK Roadside Assistance with Nationwide Recovery and Homecall
  • Level 4: Roadside Assistance, Nationwide Recovery and Europe
Document Title Size Valid From
Farm Motor insurance policy summary 323.12 KB 25 May 2018
Farm Motor insurance policy wording 466.91 KB 25 May 2018

Farm motor Making a claim

At Rural Insurance we understand the importance of the claims service for your clients.

In the event of a claim you or your client should contact our claims team directly at the following address. Please download and complete the claims form to support your claim and send to:

Agrical Limited
Suite 11 Sceptre House
Hornbeam Square North
North Yorkshire
Tel: 01423 879027