Topics of insurance and agricultural tractors

Topics of insurance and agricultural tractors

If you are a farmer, you should pay special attention to insurance in a wide range of your daily activities.
However, putting it in place and maintaining its validity can sometimes be two very different things and particularly in the case of agricultural tractors.
It is important to recognize that the only valid source of insurance advice relevant to your particular circumstances should be your insurance provider. There are many different circumstances that may mean that some of the following points do not apply to you, but there are some general points that are worth taking into account.

1. Policies for agricultural tractors generally contain clauses related to the obligations on the part of the insured. If you violate any of them, in the case of a claim, you may find that your claim for financial compensation is rejected. So, be clear in general what your obligations are.
2. One of the most common situations in which coverage can be invalidated is allowing an unauthorized party to drive your tractor. There may be specific clauses related to the minimum age of the drivers, the amount of time someone has had a license and the type of license they have. Although it may sometimes be tempting to do otherwise, do not allow someone from an excluded category to drive your vehicle.
3. Another common exclusion is related to operation and use. In other words, your policy may insist that uses be restricted to the purposes described in the manufacturer's manual or in the license documentation. For example, trying to use some types of agricultural vehicles to dig, when it is not designed for it or does not have the proper accessories installed, could cause political difficulties if things go wrong. Similarly, its use in a construction site for construction purposes, unlike agricultural use, can also be a problem.
4. Consider the difference between use on private land and on public roads. Depending on your situation, they can be very different both in terms of license and coverage.
5. Be careful with the modifications. Sometimes installing a new engine or significantly customizing the cab can cause difficulties if your policy provider interprets it as changing it so much that it no longer meets the manufacturer's specifications.
6. Make sure you also understand any stipulations related to safety. Leaving it unlocked on the basis of "nobody would touch it here" could invalidate its coverage, since, contrary to all your expectations, someone will decide to help your property or destroy it.
7. Remember that some aspects of you and the other authorized drivers can be a major issue at times. For example, if you are suddenly diagnosed as suffering from certain types of illness or suffer from something that reduces your physical mobility, you may have to declare it to your coverage provider because, if you do not do so, you could once again put your protection at risk.
Above all, do not make the assumption that, in case of a claim, no one would know what it was you were trying to hide. In addition to being potentially a criminal offense, insurance companies are very competent to verify the facts in the context of a claim and identify when everything is not as it should be.
Some farmers think that this only applies to motorized vehicles and domestic coverage, but it could be just as true in the context of policies for agricultural tractors.

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