Harvester Insurance

Specialist cover for combines, forage harvesters and other crucial farm machinery

When harvest rolls round, the last thing you want is to be held up by a problem with one of your vehicles.

So we offer protection that ensures as little disruption as possible should anything happen to your harvester. 

From a regular combine harvester to a bean, potato or pea harvester, our comprehensive Agricultural Vehicles Insurance policy keeps you covered. Our policy includes:

  • If your vehicle is less than one year old when written off or stolen, we’ll replace it with a new one
  • We cover damage to electrical wiring, ECUs and alternators caused by a short circuit
  • Glass replacement with no excess to pay for glass repair
  • £5 million Public Liability cover for third party property damage
  • Goods in transit cover up to £1,000
  • Expert service from our local agents and engineers who work closely with manufacturers and security firms.

You’ll also benefit from a claims service managed by farming specialists who can support you quickly in the event of a vehicle being damaged during the harvest, and at other busy times of year.

Your local agent office can explain what limits and exclusions apply, so you can ensure the cover is right for you.

Beware of the risk of combine fires

We are working with farmers to help prevent devastating combine fires that put lives at risk, and cause expensive damage, disruption and stress. 

While insurance can cover the cost of a replacement, the loss of time and the stress caused by a combine fire is something no farmer wants to face, especially at such a critical time of year.

We recommend that you:

  • Regularly clean out dust and chaff from hot spots in combines and balers, and check the machine over when you finish using it
  • Fit a suppression system that meets P-mark global certification standards
  • Use a mobile compressor to regularly blow away debris 
  • Switch off engines and ensure moving parts have stopped before clearing blockages or carrying out maintenance 
  • Always stop to investigate hot-running engines or bearings 
  • Have a plan in place in the event of fire, including a system for keeping in contact with lone workers 
  • Keep mobile phones on you at all times  
  • Make sure drivers are aware of the locations and heights of power lines and check that they will safely pass under wires 
  • Make sure there is a fire extinguisher on the combine, which is regularly maintained, and that you know where the nearest water source is.

For a quote or further information on how to protect your harvesters and other agricultural vehicles speak to your local NFU Mutual agency office.

Third Party, Fire and Theft Agricultural Vehicle Insurance, Product Information Document [PDF: 76KB], and Third Party Agricultural Vehicle Insurance, Product Information Document [PDF: 73KB], are also available.