Tractor Insurance

Managing risk is an essential part of working with agricultural machinery, and tractors are no exception. Whether used on farms, construction sites or industrial properties, having appropriate tractor insurance in place can help safeguard your operations against the financial impact of damage, theft or third-party liability.

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1300 983 940

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Based on 60 reviews

What is Tractor Insurance?

Tractor insurance is a type of commercial vehicle insurance that may offer protection for tractors used in business activities. Cover generally applies to tractors owned or operated by the insured party and can extend to damage, theft, third-party property liability, or other insured events depending on the policy chosen.

Whether you’re operating within a single region or across multiple Australian states, at Insuregroup we can help you to source tractor insurance options suited to your operational risks and business needs.

Do you need Tractor Insurance?

You may require tractor insurance in Australia if your business uses tractors for work-related activities such as farming, earthmoving, or grounds maintenance. These vehicles often fall outside standard motor insurance policies due to their size, usage and location of operation.

If your tractor is involved in an accident, causes damage to someone else’s property, or is stolen, having the right insurance coverage may help reduce financial impact on your business.

Why Insuregroup?

MONTHLY INSTALMENTS

Monthly payment options are available for tractor insurance, supporting better cash flow management without compromising on coverage.

EXPERT ADVICE

We’ve supported Australian businesses for over a decade in sourcing commercial machinery insurance, including tractor cover, across farming, construction and industrial sectors.

QUICK QUOTES

Need insurance quickly? We can assist with fast turnaround on tractor insurance quotes, helping you avoid unnecessary downtime.

RANGE OF OPTIONS

We work with a broad network of insurers to help you assess tractor insurance options that suit your operations, location and level of risk.

Google Reviews

Stirling Sanderson, Managing Director of InsureGroup, helped me sort out my Certificate of Currency ( Insurance) to include flood cover for my Strata/Sectional Title property in an extremely efficient and prompt manner. I can highly recommend him.
Thank you, Stirling.
Wendy Morley
Clyde Hilton
April 8, 2025 

Stirling made insuring our truck such an easy and quick process. He's very responsive with any questions we had - highly recommend!
Dania N
April 8, 2025 

When my previous insurer decided to stop insuring commercial delivery pantechs for local deliveries and discovering several other companies also backed away from this type of industry, Sterling found the coverage I needed for peace of mind and to keep the wheels turning promptly and efficiently.
j sladok
April 8, 2025 

Stirling was great for helping me find commercial truck insurance. He was prompt at responding and sorted everything out same day.
Jess Langan
April 8, 2025 

Types of Tractors that can be insured

At Insuregroup, we help businesses source insurance options for a wide range of tractor types, including:

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Agricultural tractors

Used in crop production and livestock farming.

Industrial tractors

For construction and site preparation.

Compact tractors

Like those used in landscaping or groundskeeping.

Specialty tractors

Used in vineyards, orchards or forestry.

Loader tractors

Such as those equipped with attachments like buckets or forks.

Whether you own a single unit or operate a fleet, we can help you explore insurance options that align with your type of work and the equipment used.

As a specialist insurance broker, we work with a broad network of providers to explore available options. This includes access to a wide range of insurance products and pricing available through industry memberships such as Steadfast Insurance Group.

What does Tractor Insurance cover?

Tractor insurance policies can differ depending on the insurer and the level of cover chosen. However, most standard policies are designed to help protect against common risks associated with owning or operating a tractor for business purposes.

Typical inclusions may cover:

Accidental damage to the tractor from collisions, rollovers or operational incidents

Theft or attempted theft of the vehicle

Fire damage or loss caused by malicious acts

Legal liability for third-party injury or property damage arising from tractor use

Transit cover when the tractor is being moved between properties or worksites

Some policies may also include optional benefits, such as emergency repairs, towing, or windscreen replacement.

Finding the suitable level of cover requires a review of how the tractor is used, the nature of your work, and the level of financial risk you’re comfortable managing. At Insuregroup, we can help you assess which features are available and how they may suit your business operations.

What does Tractor Insurance not cover?

While tractor insurance provides valuable protection, there are limitations on what it includes. Understanding exclusions is essential to avoid unexpected outcomes at claim time.

Common scenarios that are not typically covered include:

Wear and tear from regular use or age-related deterioration

Mechanical or electrical breakdowns not linked to an insured event

Damage occurring while the tractor is used outside its agreed purpose or business activity

Accidents involving unlicensed, unauthorised or impaired drivers

Losses arising from illegal activity, negligence or non-disclosure of relevant information

Each insurer will have its own set of terms and conditions. It’s important to carefully read the Product Disclosure Statement (PDS) to understand what is and isn’t included in your policy. If you’re unsure about certain exclusions or need help comparing your options, our team is available to assist.

Online Insurance Quote

Please select from the options as required. You can select one or more options.
Complete the form below to receive a quote.
Completing the form usually takes 5 minutes.
Having trouble with the form? Contact Insuregroup click here

Step 1 of 2

Name(Required)

First Last

Phone(Required)

Email(Required)

Do you have an active ABN?(Required)

Please advise your ABN(Required)

Please select your occupation(Required)

What do you transport?(Required)

What do you construct?(Required)

Do you transport dangerous goods?(Required)

Do you transport refrigerated?(Required)

What sort of tradesman are you?(Required)

What do you manufacture?(Required)

What sort of drilling do you do?(Required)

Please describe your occupation(Required)

How many employees in your business? (Including working directors/owners)(Required)

How many items are you looking to insure?(Required)

Please describe the TRUCKS / TRAILERS / MACHINERY / VEHICLES you are looking to get insured. Please include as much detail as possible including YEAR MAKE MODEL REGO (if available) AND VALUE EXCLUDING GST. Please also include the item TYPE such as prime mover, crane, excavator, tipper truck, skip truck. Thankyou.(Required)

Did you include the ex gst value of the items in the description above?(Required)

Where are these items mostly garaged/stored?(Required)

Street Address Suburb Postcode

Are you currently insured for any of the above items?(Required)

Are you with an insurer directly or with an insurance broker?(Required)

Do you know who your insurer is?(Required)

Do you know who your insurer is? (not the broker)(Required)

Please advise who your insurer is(Required)

Please advise the insurance status of the above items(Required)

Do you have insurance on any other similar items currently?(Required)

Have you held insurance on any other similar items in the last 3 months?(Required)

Do you intend to dry hire (without operator) any of these items in the next 12 months?(Required)

Will you ensure to have a hire rental agreement / formal terms and conditions for the dry hire?(Required)

Do you need a quote for public liability insurance?(Required)

Do you need a quote for carriers / load insurance?(Required)

Have you or any of your operators/drivers or subcontractors had any criminal convictions which are less than 10 years old(adult), 5 years old (juvenile) or if outside of these years any convictions that have had a prison sentence greater than 30 months?(Required)

Have you or any partners or directors ever been declared bankrupt in the last 10 years?(Required)

Have you or any partners/directors had any policies cancelled/declined or special terms imposed?(Required)

Have you (company and/or director), or any person who will drive any of your vehicles / plant had any motor claims or accidents in the last 5 years?(Required)

In the past 5 years have you or any of your drivers had:- any license suspended, cancelled or amended to provisional; or any alcohol or drug conviction; or any dangerous driving offence; or any offence involving or interfering with a speed limiter?(Required)

How urgent is the insurance?(Required)

How did you hear about Insuregroup?(Required)

If you have the purchase invoice for the items or any documents relevant you can upload them here

Max. file size: 128 MB.

Would you like to make any further comments before submitting the request? We will send you an email as soon as possible.(Required)

Please enter your comments/requests here(Required)

Our Process

The Insuregroup insurance process – insurance solutions on demand.

In order to meet the demand for fast, simple, and convenient insurance solutions Australia-wide, we’ve developed an insurance process capable of providing you with all the information you need – including an insurance quote within 24 hours. To achieve this, we offer a simple and user-friendly online quote form that requires a few simple details to generate the most competitive and applicable quote in the market.

To provide you with the solution you need within such a short timeframe, we have implemented a short and highly effective system, which is outlined below:

1. Provide us with your business information for your asset(s)

Simply provide us with your business information online and we’ll take care of the rest to find you the most competitive insurance quote.

2. We will locate the most competitive and applicable insurance quotes

We’ll scour the insurance market to locate the most competitive and applicable quotes from a vast network of insurers. This will typically take no more than 24 hours.

3. We will present you with the best available quotes

We process the best of the available quotes and draft an email with the relevant details.

4. Detailed email

You receive the email detailing the most competitive insurance quote available.

5. Finalise contract & accept quote

From this point, all that is required to finalise the contract is acceptance and payment via email or telephone – the entire process can be streamlined to a mere 24 hours.

Our process allows us to provide you with the best insurance solutions for your asset(s) in the shortest time possible

Frequently Asked Questions

Which insurance is best for tractors?

The most appropriate insurance for your tractor depends on its usage, value and operating environment. Cover options range from basic liability to full damage and theft protection. At Insuregroup, we help you explore available policies and inclusions to suit your operational needs.

How does insurance work on a tractor?

Tractor insurance works similarly to other commercial vehicle insurance. Once a policy is in place, you’re covered for insured events such as damage, theft or third-party liability, depending on the product selected. Claims are lodged through your insurer and assessed according to the PDS terms.

What does tractor insurance cost?

The cost of tractor insurance depends on factors like the tractor’s value, usage type, location, and your claims history. Additional cover options can also affect premiums. We can help you compare quotes from multiple insurers to find options that suit your business needs and operating risks.

How can I get a quote for tractor insurance?

You can request a quote by contacting us directly or filling out our online form. To speed up the process, it helps to have details ready such as your tractor’s make, model, usage type and location. We’ll then source quote options for you to review and help answer any questions so you can make an informed, confident decision suited to your needs.

Are monthly premiums available?

Yes, we can arrange monthly payments. Easy and stress free!

When will insurance certificates be provided

We will issue you with a certificate of insurance promptly following the finalisation of your payment. These can be issued in electronic form, so as to ensure the fastest possible turnaround.

How long does it take to effect cover and produce certificates?

The time taken for insurers to confirm the cover request is generally no longer than half an hour. We demand the best in quality and reliability and for this reason we have access to over one hundred national and international insurance providers. Being specialists in insurance, you can be confident our insurers will respond in a prompt and proficient manner, allowing us to deliver much quicker insurance quotes than many of our competitors

What about Insuregroup?

At Insuregroup, we have no affiliations with any insurers, so you’re guaranteed that we act solely in your best interests – our service is transparent and honest. This means when we search through insurance policies within our network of insurers, we select only those offering the most extensive cover for the most competitive available price!

Insuregroup: Experts in Insurance

Specialist insurance broker
Exclusive coverage and premium rates
Access to over 100 national insurance markets

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