Tractor insurance

[batwing]

Just completed my conversations with Amica's underwriting dept.-my HO's insurance company.

In summary, with Amica, my coverages are fully extended while driving on a public road for my own pursuits.
For example, if I leave my driveway and travel on a public road while doing work for myself and intention to reenter my property, I am fully covered for
damage to my tractor, to other peoples property and for liability in the event someone is injured. No additional charge/premium
for this coverage.

If I am on the road and going to do work other than on my property or for hire-no coverage at all.

I have a friend who I think has Auto Owners and they told him the same thing, but our company and progressive will not cover ours off our property.
Ron

 

[George2615]

I am guessing your getting a TYM tractor. You can try CNH Capital insurance. I got a reasonable price for my policy. Full replacement cost (PDI) Physical Damage Insurance, including glass coverage (I have a cab model). A little over $200 a year to cover my $27K tractor. If your value is less the cost would be also. I got quotes from 2 other companies but they were much higher than CNH.

 

[batwing]

I am guessing your getting a TYM tractor. You can try CNH Capital insurance. I got a reasonable price for my policy. Full replacement cost (PDI) Physical Damage Insurance, including glass coverage (I have a cab model). A little over $200 a year to cover my $27K tractor. If your value is less the cost would be also. I got quotes from 2 other companies but they were much higher than CNH.

I sent them an e-mail have not got a reply
Ron

 

[George2615]

Not sure of their hours. I emailed them before noon and got a reply in about an hour or so. Here is their email addr. and ph. number. I spoke with a gal named Karla.

insurance@cnhagency.com 866-559-6814

George

 

[batwing]

Not sure of their hours. I emailed them before noon and got a reply in about an hour or so. Here is their email addr. and ph. number. I spoke with a gal named Karla.

insurance@cnhagency.com 866-559-6814

George

Thank you George, I will give it a try.
Ron

 

[jodebg]

Fred-

Do you need to register your tractor? My coverage is extended off my property due
to the fact that it is an unregistered motor vehicle...per the language in the "exclusions" section.
Hope this helps.

I feel a lot better knowing that when I leave my drive and head to one of my dirt access roads that
I have full coverage, including liability...even my umbrella policy is fully extended.

 

[MinnesotaEric]

Because of this thread I looked up Farm Bureau. Turns out I have localish agent in Wadena, MN, named Bruce, and so I'm shopping commercial insurance from them as well.

 

[jodebg]

When I first called Amica I was told that I had no coverage by several reps. It wasn't until I called another insurance company inquiring about their plan when their rep told me to call Amica's underwriting dept.. They did not agree with what I was told by Amica's customer service reps.

I called underwriting and when they actually read the policy they found the clause (in the exclusions section of the policy) referring to "unregistered motor vehicles that everyone had not seen. You may want to call underwriting and specifically ask about coverage for unregistered motor vehicles/personal use/off property.

I have a friend who I think has Auto Owners and they told him the same thing, but our company and progressive will not cover ours off our property.
Ron

 

[George2615]

ﾓ7

I just purchased a Kubota M7060 and insured it through KTAC, very reasonable and coverage anywhere in USA with$250 deductible.

http://www.tractorbynet.com/forums/...80-ktac-insurance-agency-kubota-endorsed.html

Try State Farm

From what I understand KTAC is only for Kubota tractors.
I tried State Farm ( have car INS with them). Them were 4 times the cost of CNH. Maybe my agent didn't know how or where to look for the right policy. I think she was a new agent. Her loss was CNH gain.

 

[The Fred]

Fred-

Do you need to register your tractor? My coverage is extended off my property due
to the fact that it is an unregistered motor vehicle...per the language in the "exclusions" section.
Hope this helps.

I feel a lot better knowing that when I leave my drive and head to one of my dirt access roads that
I have full coverage, including liability...even my umbrella policy is fully extended.

In Vermont you can drive a tractor up to 150 miles from your farm for farm work. Not joyriding or moving a friend's house trailer. Farm only ask any cop. The motor vehicle dep't. will tell you another story and another and another, the fact is they really don't know their own laws.

I also have an umbrella policy that MIGHT cover me one time. Still does not give one an insurance card to be kept in the vehicle while driven on the road.

Since I don't have a farm my machine must be registered to be driven on the road, AND minimum state insurance requirement must be met in order to be legal.

This is a good thread as I feel liability insurance OFF property is one of MY requirements.

It's a very tricky subject, If one uses his tractor for money different insurance applies. If one is helping his neighbor a mile down the street and hits another vehicle in route that's a whole different situation. I just want to be covered on the road, I don't have a commercial tractor business.

Fred