Tractor insurance
Compare compulsory insurance offers and choose the most suitable one.
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Which tractor insurance should you choose?
Two different types of insurance may be relevant for tractors and other agricultural machinery: compulsory civil liability insurance and protection of the machinery itself against damage, destruction, or loss.
Compulsory MTPL insurance
Compulsory motor third-party liability insurance covers damage caused to other persons for which the operator of the insured vehicle is liable.
You can compare mandatory tractor insurance offers and purchase the insurance online.
Mobile Equipment Insurance
Tractors, combine harvesters, and other agricultural machinery are typically covered not by standard automotive Casco insurance, but by specialized mobile machinery insurance.
Depending on the chosen insurer and the terms and conditions, it can protect the equipment against damage, destruction, or loss.
What kind of agricultural machinery can be insured?
Insurance is relevant not only for tractors. Certain other types of agricultural machinery are also subject to separate registration; consequently, they may require mandatory insurance or additional equipment protection.
Tractors
Wheeled and tracked tractors used in agriculture, forestry, or for other tasks.
You can calculate the cost of mandatory insurance online using the license plate number.
Self-propelled agricultural machinery
Combine harvesters, self-propelled mowers, forage harvesters, sprayers, and other registrable self-propelled machinery.
For such machinery, in addition to mandatory insurance, specialized mobile machinery insurance may also be relevant.
Trailers and registrable agricultural implements
Tractor trailers, semi-trailers, slurry tankers, towed platforms, and certain other types of towed agricultural machinery that are registered separately may have their own registration documents and license plates.
If the machinery has a separate registration, we treat its insurance as the insurance of a separate object.
Not all implements connected to a tractor are separate vehicles, so if in doubt, it is worth checking the registration category of a particular implement.
Mobile Equipment Insurance
Tractors, combine harvesters, and other agricultural machinery are typically covered not by standard automotive Casco insurance, but by specialized mobile machinery insurance.
This is voluntary insurance to protect the equipment itself against unexpected damage, destruction or loss.
Against which risks is it possible to get insured?
Depending on the insurer, the chosen insurance option, and the specific machinery, coverage may include traffic accidents, other collisions, fire, explosion, storm, hail, flood, theft, vandalism, glass breakage, or other sudden and unexpected damage to the machinery.
Specific risks and exclusions depend on the chosen insurer and the terms of the insurance.
What kind of machinery can be insured?
Mobile machinery insurance covers tractors, combine harvesters, self-propelled sprayers, telehandlers and front loaders, forestry machinery, excavators, and other special-purpose machinery.
The possibility of insuring specific machinery is assessed on an individual basis.
Why is the proposal prepared individually?
Unlike compulsory insurance, the cost and terms of mobile equipment insurance depend heavily on the specific asset.
Factors taken into account include the type of machinery, its value, year of manufacture, intended use, nature of operations, selected risks, and other circumstances relevant to the insurer.
Provide the basic details of the technique – we will compare the available insurance options and provide you with an offer tailored to your technique.
What determines the cost of tractor insurance?
The cost of tractor insurance depends on the type of insurance chosen, the specific machinery, and its usage.
Cost of compulsory insurance
Insurers calculate the price of compulsory civil liability insurance based on their own risk assessment models.
Factors that may be relevant to the assessment include the vehicle type and technical specifications, the owner or operator, the nature of use, previous insured events, and other risk-related information important to the insurer.
Offers from different insurers may vary, so it is worth comparing them.
Mobile equipment insurance cost
Insurance for mobile machinery is assessed on an individual basis, as the usage and risk profiles of two similar tractors or combine harvesters can differ significantly.
The type, make, and model of the machinery, its year of manufacture, value, intended use, nature of work, storage conditions, selected risks, and the amount of the deductible may be important to the insurer.
Provide basic technical data – we will compare the available insurance options and provide you with an individual offer.
What is needed for tractor insurance?
The required information depends on the type of insurance you choose.
For compulsory insurance
If the vehicle is registered in Lithuania, the simplest way to start the calculation is with its license plate number.
Additionally, vehicle registration details, information about the owner or operator, usage details, and other information requested by the insurer may be required.
For mobile equipment insurance
A personalized offer will typically require more information about the equipment itself and its usage.
Typically, the following information is required: type of machinery, make, model, year of manufacture, value, intended use, key technical specifications, history of previous damage, and storage and operating conditions.
Depending on the machinery and the insurer, you may be asked for additional information or photographs of the machinery.
Frequently Asked Questions
Is mandatory insurance required for a tractor?
Yes, tractors fall under the compulsory civil liability insurance system for vehicle owners if they meet the criteria for a vehicle established by law.
If the tractor is registered in Lithuania, you can start calculating the insurance using its license plate number.
Does a tractor need to be insured if it is used only on the farm or in the fields?
The mere fact that a tractor is used primarily in fields or on private property does not in itself mean that compulsory insurance is unnecessary.
The insurance obligation depends on the vehicle’s legal status, registration and criteria established by law. If you are in doubt about a particular technique, it is worth checking its registration details.
Is compulsory insurance required for a combine harvester?
Self-propelled agricultural machinery, including combine harvesters, may fall within the scope of compulsory insurance if it meets the criteria established by law.
In a specific case, equipment registration and technical data are evaluated.
Is it necessary to insure a tractor trailer separately?
Trailers and semi-trailers can be a separate object of insurance if they are registered separately and fall under the scope of compulsory insurance.
When taking out insurance, it is advisable to refer to the specific trailer’s registration documents.
Is it necessary to insure an agricultural implement if it has a license plate?
Not every implement attached to a tractor has the same legal status.
Trailers, semi-trailers, and certain interchangeable towed equipment are registered separately in the agricultural machinery register. Therefore, the mere existence of a registration number is insufficient for a universal conclusion; the specific registration category of the machinery is what matters.
Can a tractor be insured with Casco insurance?
For agricultural and other special-purpose machinery, a special mobile machinery insurance policy is usually offered instead of standard automotive Casco insurance.
It can be designed to protect tractors, combine harvesters, loaders, excavators, and other specialized machinery against damage, destruction, or loss.
What can a tractor be insured against under mobile machinery insurance?
Coverage depends on the insurer and the chosen insurance option.
It may cover, for example, fire, natural forces, theft, vandalism, traffic accidents, or other sudden and unexpected damage to the equipment.
Before taking out insurance, it is important to compare not only the price but also the specific terms and exclusions.
How do I get a quote for mobile device insurance?
Since the value, purpose, and operating conditions of such equipment vary significantly, proposals are usually prepared on an individual basis.
Please email us the key technical specifications – we will compare available insurance options and provide a quote.
Insure your tractor according to your needs.
You can compare and purchase mandatory insurance online. If you wish to protect the equipment itself against damage, destruction, or loss, we will prepare a tailored insurance offer for mobile equipment.
Compulsory MTPL insurance
Enter the license plate number, compare offers from insurers, and choose the most suitable one.
Mobile Equipment Insurance
Please send the key technical specifications – we will compare available insurance options and provide a quote.