Tractor Insurance Query

cocokabana

Hey all. Could someone give me some advise please. My Oh has inherited an 1984 reg tractor that's parked up in a shed with a good few years. He'd like to insure it to use to bring home for eg a load of timber. All personal use. No contracting. He has a couple of acres (strong farmer hey!) with some ponies for feeding etc. moving a few bales etc
I rang his insurance broker who said insurer # 1 wouldn't insure as he is not a full time farmer, insurer # 2 said tractor is > than 15 years and insurer # 3 said it's > than 25 years so no no and no.
Has he any option to insure it?
The broker mentioned vintage but my understanding is that limits him to taking it for a spin in a tractor run only.

lakill Farm

Auld lad was in same boat 10 years ago. He bought a tractor only for turf. But AxA insured it for him at the time. In fairness it was 6/7 loads of turf a year. About 4 Mile each way

around same time I was looking for quad insurance and like that nobody Would Insure it for me. We weren’t farmers and that was the reason given

cocokabana wrote: »

Hey all. Could someone give me some advise please. My Oh has inherited an 1984 reg tractor that's parked up in a shed with a good few years. He'd like to insure it to use to bring home for eg a load of timber. All personal use. No contracting. He has a couple of acres (strong farmer hey!) with some ponies for feeding etc. moving a few bales etc
I rang his insurance broker who said insurer # 1 wouldn't insure as he is not a full time farmer, insurer # 2 said tractor is > than 15 years and insurer # 3 said it's > than 25 years so no no and no.
Has he any option to insure it?
The broker mentioned vintage but my understanding is that limits him to taking it for a spin in a tractor run only.

tanko

Did you try FBD?

Mr321

Insurance it as Vintage and light Agri is what you need with FBD with IVS or Campion IVETA.

You become a member of either one and then insure it through which ever think there's a price differ with the insurance companies but what ever Vintage society you choose to go with both are €25 for the year then the insurance with the company.

Insurance works from Jan - Dec with them

If your taxing it to be sure to tax it as Vintage as its only €56 for the year

maidhc

cocokabana wrote: »

I rang his insurance broker who said insurer # 1 wouldn't insure as he is not a full time farmer, insurer # 2 said tractor is > than 15 years and insurer # 3 said it's > than 25 years so no no and no.

They can't surely be trying to enforce that age thing on tractors?!

cocokabana

that's what the broker told me! They just don't want to take him on as he's not farming full time or as she said it's not for agri purposes.

cocokabana

tanko wrote: »

Did you try FBD?

no not yet. Broker said FBD don't deal with brokers. She also mentioned Campions in Kilkenny

cocokabana

Mr321 wrote: »

Insurance it as Vintage and light Agri is what you need with FBD with IVS or Campion IVETA.

You become a member of either one and then insure it through which ever think there's a price differ with the insurance companies but what ever Vintage society you choose to go with both are €25 for the year then the insurance with the company.

Insurance works from Jan - Dec with them

If your taxing it to be sure to tax it as Vintage as its only €56 for the year

so he can insure it as vintage and still be able to use it for light agri??? That's what we weren't sure of. I asked the broker that and she couldn't answer, said it depends on the terms of the vintage policy. How easy is it to join a vintage club? Just ring up nearest one and ask to join. I've no idea. learning curve here!

cocokabana

maidhc wrote: »

They can't surely be trying to enforce that age thing on tractors?!

that's what the broker told me! They just don't want to take him on as he's not farming full time or as she said it's not for agri purposes.

Mr321

cocokabana wrote: »

so he can insure it as vintage and still be able to use it for light agri??? That's what we weren't sure of. I asked the broker that and she couldn't answer, said it depends on the terms of the vintage policy. How easy is it to join a vintage club? Just ring up nearest one and ask to join. I've no idea. learning curve here!

You just print out a member ship form of which ever one your going with Irish Vintage Society which use FBD or IVETA who use Campion Insurance
The cover is third party or third party fire and theft
Ring both of the 2 named there and ask for the Vintage insurance section and they will give you your info and rates. Things like turning hay and going to the bog is considered light agri with them


Yea FBD don't want to know you if you haven't land and cattle etc but will insure through Vintage.

The whole things getting to be a joke and worse each day...

elperello

http://www.iveta.ie/index.php/insurance

This will help.

cocokabana

Mr321 wrote: »

You just print out a member ship form of which ever one your going with Irish Vintage Society which use FBD or IVETA who use Campion Insurance
The cover is third party or third party fire and theft
Ring both of the 2 named there and ask for the Vintage insurance section and they will give you your info and rates. Things like turning hay and going to the bog is considered light agri with them


Yea FBD don't want to know you if you haven't land and cattle etc but will insure through Vintage.

The whole things getting to be a joke and worse each day...

sound. thanks a mill

SmartinMartin

If you ring campions they'll do your iveta membership for you, you just send two seperate amounts, afair it's €70 insurance and €25 membership.

cocokabana

SmartinMartin wrote: »

If you ring campions they'll do your iveta membership for you, you just send two seperate amounts, afair it's €70 insurance and €25 membership.

just rang both FBD and Campions. Waiting on call backs. Yeah I see Campions have the form online and it includes a box to tick re paying membership through them which is handy.

The main thing is we can insure it to include light Agri, rather than be restricted to Sunday spins on vintage runs.

elperello

cocokabana wrote: »

just rang both FBD and Campions. Waiting on call backs. Yeah I see Campions have the form online and it includes a box to tick re paying membership through them which is handy.

The main thing is we can insure it to include light Agri, rather than be restricted to Sunday spins on vintage runs.

Campions/IVETA are sound.
What make is the tractor?

cocokabana

elperello wrote: »

Campions/IVETA are sound.
What make is the tractor?

It's an 1984 Zetor Cristal. His dad left it to him. He had intended in refurbishing it but never got around to it. My OH want's to get it on the road again. It's been parked up with a few years. Needs to be put back together lol. A winter's night project but won't take long he has all bits n pieces.

elperello

He's a lucky man!
All the best with it.

White Clover

cocokabana wrote: »

It's an 1984 Zetor Cristal. His dad left it to him. He had intended in refurbishing it but never got around to it. My OH want's to get it on the road again. It's been parked up with a few years. Needs to be put back together lol. A winter's night project but won't take long he has all bits n pieces.

Zetor fan here. Photos pleeeease!!

cocokabana

White Clover wrote: »

Zetor fan here. Photos pleeeease!!

when he has it back together!! All he has to fit is rad and the 4 wheels and he has all of the parts, and it needs a paint job but other than that it working perfect.

I have fond memories of the zetor cristal, my late farmer uncle in Kilkenny had them when I was a child in the 1980's and I remember them well!!! Whereas my Dad was and still is a Massey man!!!

lakill Farm

elperello wrote: »

http://www.iveta.ie/index.php/insurance

This will help.

What’s classified as light agri work? You said hay and bog. But is there a defined description.

Like would a tractor say wrapping 300 bales and using a small rake (all for owners use only) be covered.

Del2005

Mr321 wrote: »

You just print out a member ship form of which ever one your going with Irish Vintage Society which use FBD or IVETA who use Campion Insurance
The cover is third party or third party fire and theft
Ring both of the 2 named there and ask for the Vintage insurance section and they will give you your info and rates. Things like turning hay and going to the bog is considered light agri with them


Yea FBD don't want to know you if you haven't land and cattle etc but will insure through Vintage.

The whole things getting to be a joke and worse each day...

The ironic thing is that the EU is trying to force through the requirement for all vehicles to have 3rd party insurance yet our insurance companies won't offer insurance to people looking for it!

Mr321

lakill Farm wrote: »

What’s classified as light agri work? You said hay and bog. But is there a defined description.

Like would a tractor say wrapping 300 bales and using a small rake (all for owners use only) be covered.

No idea.as you don't get a list of what light agri is from them. The 2 mentioned was said to me on the phone once by a fella who I'm pretty sure wouldn't know what a sod of turf or a hardy spicer was if you handed him one.

Ive a couple of vintage tractors insured with them but the farm tractors are all fully comp covered.

lakill Farm

Dad talking about buying a tractor again for his turf. Just playing with ideas myself that he can pay for it and I’ll pay him off over a few years.

A 885xl or something would suit me and he could be persuaded.

Mr321 wrote: »

No idea.as you don't get a list of what light agri is from them. The 2 mentioned was said to me on the phone once by a fella who I'm pretty sure wouldn't know what a sod of turf or a hardy spicer was if you handed him one.

Ive a couple of vintage tractors insured with them but the farm tractors are all fully comp covered.

emaherx

lakill Farm wrote: »

What’s classified as light agri work? You said hay and bog. But is there a defined description.

Like would a tractor say wrapping 300 bales and using a small rake (all for owners use only) be covered.

Well if those bales are wrapped at home in the yard/adjoing fields it doesn't require any insurance.

So you only need insurance for your road runs (vintage insurance) and transporting haybob/topper/bog trailer up the road (the light Agri insurance)

With FBD 50euro for vintage insurance +25 extra for light Agri cover + vintage club fees.

cocokabana

Quick question - what is vintage + sdp as per Campion proposal form for vintage insurance??

elperello

cocokabana wrote: »

Quick question - what is vintage + sdp as per Campion proposal form for vintage insurance??

SDP is Social, Domestic and Pleasure.

Vintage + SDP means you are covered for going to vintage shows, rallies etc. and also for going to the shops, going for a spin with the kids etc.

cocokabana

elperello wrote: »

SDP is Social, Domestic and Pleasure.

Vintage + SDP means you are covered for going to vintage shows, rallies etc. and also for going to the shops, going for a spin with the kids etc.

Okay. Not really then the cover we're after (don't think I'll be popping to centra in the crystal just yet!)

Just something else I'm wondering about now, will the insurer only cover if you own land?

Someone mentioned this to us.

elperello

cocokabana wrote: »

Okay. Not really then the cover we're after (don't think I'll be popping to centra in the crystal just yet!)

Just something else I'm wondering about now, will the insurer only cover if you own land?

Someone mentioned this to us.

No you are right that cover is for cars and commercials.
As far as I know you don't need to own any minimum acreage.
You have a few acres anyway.
If in doubt double check with insurance company.
Be sure to fill out proposal honestly and make sure you comply with any policy you take out.