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 Advance 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.

NEW - Unspecified agricultural trailer and implement cover increased to £150,000 (attached and detached) as standard

NEW - Agricultural vehicle GPS equipment automatically covered increased to £25,000 as standard

NEW – Audio and GPS equipment for non-agricultural vehicles automatically covered increased to £1,500 as standard

NEW - Replacement locks following attempted theft or loss of keys automatically covered increased to £1,500 as standard

NEW – Personal accident cover increased to £15,000.

NEW – Personal belongings cover increased to £750.

NEW – Optional motor uninsured loss recovery and motor prosecution defence available with  £100,000 of cover.

NEW – Optional guaranteed hire vehicle cover available for up to 7, 14, 21 or 28 days following an unrecovered theft, road traffic collision or fire that renders the Insured Vehicle a total loss or un-driveable as determined by the motor insurer or third-party motor insurer.

NEW – We will provide a Group A vehicle (e.g. a small hatchback) for the duration of the repair when an approved repairer is used. If an approved repairer cannot be used and you have not purchased the optional guaranteed hire vehicle cover, we will arrange free hire of a Category A vehicle (small private car) for up to 21 days in any one period of insurance as a replacement vehicle whilst your vehicle is off the road following an insured event.


  • 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, minibuses, motorised horseboxes and/or private cars on one simple policy
  • Unspecified agricultural trailer and implement cover (attached and detached)
  • Agricultural vehicle GPS equipment covered
  • Personal accident cover
  • Personal belongings cover
  • Multi-vehicle policy rated on a book and bonus (No claims bonus) basis
  • Start with one vehicle and add others as they renew, or as the business grows
  • Fast and efficient UK based claims
  • Statement of fact for efficient policy administration
  • One policy with one premium and convenient instalments available
  • In addition, the following optional products are available:
    • Breakdown cover
    • Guaranteed Hire Vehicle cover
    • Motor Legal Expenses

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
  • Attached and detached unspecified agricultural trailer and implement cover up to £150,000 as standard
  • Agricultural vehicle GPS equipment automatically covered up to £25,000 as standard
  • Repair and replacement glass cover with automated billing when our approved repairers are used
  • Replacement locks following attempted theft or loss of keys automatically covered up to £1,500 as standard
  • Driving abroad cover 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

4 levels of optional guaranteed hire vehicle cover available for Private Cars and light Commercial Vehicles

  • Up to 7 days following a claim
  • Up to 14 days following a claim
  • Up to 21 days following a claim
  • Up to 28 days following a claim

Optional Motor Legal Expenses available with £100,000 of cover. 

Document Title Size Valid From
Farm Motor insurance Policy Summary (Advance V2) 919.54 KB 29 Feb 2020
Farm Motor insurance Policy Wording (Advance V2) 1.07 MB 29 Feb 2020

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:

Oakleigh House
14 - 16 Park Place
CF10 3DQ

Tel: 02921 010 334

Glass claims
For glass claims, to benefit from a £50 reduction in the policy excess, policyholders should contact one of our preferred suppliers:

Autoglass: 0844 371 0047
Auto Windscreens: 0800 999 5000