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Tractor insurance

  • 13-05-2015 5:56pm
    #1
    yellow50HX
    Registered Users, Registered Users 2 Posts: 1,828 ✭✭✭


    Well I have decided to take the plunge and change the tractor ( been planning to for quite a while and have finally made a move). Current tractor is over 30 years old so is only insuranced 3rd party, so about €100. The one I'll be getting will be about 15 years old so I'll be upping the insurance.

    Been looking at 3rd party , fire and theft which will be about €190. If I add glass to that it'll go to about 250 and comp will be €290.

    Not sure if that is good value or not. What kind of insurance do most people use and what are the other companies like as I'm currently with FBD.


Comments

  • #2
    dohc turbo2
    Registered Users, Registered Users 2 Posts: 848 ✭✭✭dohc turbo2


    I found it a lot cheaper to include it in the farm insurance got animals slatted shed , public libality etc for 350


  • #3
    yellow50HX
    Registered Users, Registered Users 2 Posts: 1,828 ✭✭✭yellow50HX


    I think I might be getting screwed as I Also have the house, farm and digger with them.


  • #4
    Bullocks
    Registered Users, Registered Users 2 Posts: 5,891 ✭✭✭Bullocks


    yellow50HX wrote: »
    I think I might be getting screwed as I Also have the house, farm and digger with them.

    I don't think it sounds too bad , I'll ask the father here cos he does the insuring but I thought he said the tractor was over €300 fire and theft !


  • #5
    Sam Kade
    Registered Users, Registered Users 2 Posts: 12,313 ✭✭✭✭Sam Kade


    dohc turbo2 wrote: »
    I found it a lot cheaper to include it in the farm insurance got animals slatted shed , public libality etc for 350

    Was that with FBD? Because any time I renew the farm insurance they wouldn't be knocking anything off for taking out extra insurance.


  • #6
    dohc turbo2
    Registered Users, Registered Users 2 Posts: 848 ✭✭✭dohc turbo2


    Sam Kade wrote: »
    Was that with FBD? Because any time I renew the farm insurance they wouldn't be knocking anything off for taking out extra insurance.
    No a broker in Killarney , it worked out a lot cheaper , 250 for tractor alone and 370 for everything


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  • #7
    Sam Kade
    Registered Users, Registered Users 2 Posts: 12,313 ✭✭✭✭Sam Kade


    dohc turbo2 wrote: »
    No a broker in Killarney , it worked out a lot cheaper , 250 for tractor alone and 370 for everything
    That's great value time to give FBD the heave ho :)


  • #8
    f140
    Banned (with Prison Access) Posts: 875 ✭✭✭f140


    I have comprehensive on everything. the digger (terex 860), 2 fiats and even the ford 5000. not too sure if I have the window insurance though?


  • #9
    yellow50HX
    Registered Users, Registered Users 2 Posts: 1,828 ✭✭✭yellow50HX


    f140 wrote: »
    I have comprehensive on everything. the digger (terex 860), 2 fiats and even the ford 5000. not too sure if I have the window insurance though?

    Part of the comp?

    How did you get it on the 5000? I couldn't get more then 3rd party on the tractor and digger


  • #10
    f140
    Banned (with Prison Access) Posts: 875 ✭✭✭f140


    yellow50HX wrote: »
    Part of the comp?

    How did you get it on the 5000? I couldn't get more then 3rd party on the tractor and digger
    it has always been on them and never asked otherwise


  • #11
    Reggie.
    Registered Users, Registered Users 2 Posts: 24,545 ✭✭✭✭Reggie.


    Anyone got contractors insurance on any tractors


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  • #12
    frazzledhome
    Closed Accounts Posts: 6,278 ✭✭✭frazzledhome


    yellow50HX wrote: »
    Part of the comp?

    How did you get it on the 5000? I couldn't get more then 3rd party on the tractor and digger

    Every machine here is fully comp even our little 4000. All attachments trailers etc also. Great peace of mind.


  • #13
    Dawggone
    Closed Accounts Posts: 6,506 ✭✭✭Dawggone


    frazzledhome wrote: »
    Every machine here is fully comp even our little 4000. All attachments trailers etc also. Great peace of mind.

    +1. I also insure engines, tyres, and vario gearboxes.


  • #14
    simx
    Registered Users, Registered Users 2 Posts: 2,556 ✭✭✭simx


    yellow50HX wrote: »
    Part of the comp?

    How did you get it on the 5000? I couldn't get more then 3rd party on the tractor and digger

    Couldn't get it on my 5000 anyway only 3 party


  • #15
    frazzledhome
    Closed Accounts Posts: 6,278 ✭✭✭frazzledhome


    Dawggone wrote: »
    +1. I also insure engines, tyres, and vario gearboxes.

    I can't get tyres:( Gearboxes etc no prob


  • #16
    joejobrien
    Registered Users, Registered Users 2 Posts: 470 ✭✭joejobrien


    Dawggone wrote: »
    +1. I also insure engines, tyres, and vario gearboxes.
    Are the varios.....one of those things you never want to see?


  • #17
    Dawggone
    Closed Accounts Posts: 6,506 ✭✭✭Dawggone


    joejobrien wrote: »
    Are the varios.....one of those things you never want to see?

    A vario rebuild could set you back around €10k.


  • #18
    davidk1394
    Registered Users, Registered Users 2 Posts: 4,221 ✭✭✭davidk1394


    We priced insurance there yesterday for this tractor. €700 for fully comprehensive with a 1000 glass cover on the tractor thats valued at €56000


  • #19
    Reggie.
    Registered Users, Registered Users 2 Posts: 24,545 ✭✭✭✭Reggie.


    davidk1394 wrote: »
    We priced insurance there yesterday for this tractor. €700 for fully comprehensive with a 1000 glass cover on the tractor thats valued at €56000

    That's not too bad. Contractors insurance?


  • #20
    davidk1394
    Registered Users, Registered Users 2 Posts: 4,221 ✭✭✭davidk1394


    Reggie. wrote: »
    That's not too bad. Contractors insurance?

    No. We have 2 named drivers and i think its with the farm


  • #21
    Reggie.
    Registered Users, Registered Users 2 Posts: 24,545 ✭✭✭✭Reggie.


    davidk1394 wrote: »
    No. We have 2 named drivers and i think its with the farm

    Would ya not be better off with the contractors insurance?


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  • #22
    Lambofdave
    Registered Users, Registered Users 2 Posts: 282 ✭✭Lambofdave


    Do any other insurance companies allow you insure tractors under their own policies or is it only under the banner of farm insurance.

    I have just got a quote to renew with FBD and its ridiculous.


  • #23
    davidk1394
    Registered Users, Registered Users 2 Posts: 4,221 ✭✭✭davidk1394


    Reggie. wrote: »
    Would ya not be better off with the contractors insurance?

    I doubt it for the machines we have and the work we do


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