It is a feature of commercial and mechanized farming that investment is made in farming machinery to aid in efficient operations. Farm vehicles including tractors and combine harvesters fall under this category. It may also be possible to consider ATVs, quad bikes and motor vehicles if used specifically on the farm for inclusion in the agricultural policy.
I. AGRICULTURAL AND FORESTRY VEHICLES (TRACTORS, HARVESTORS ETC)
|Type of cover||Third party only (TPO)||Third party Fire & Theft (TPF & T)||Comprehensive|
|Premium||Applicable||Applicable, min. applies||Applicable, min. applies|
|No Claim Discount (NCD)||Applicable
|Applicable, min. applies||Applicable, min. applies|
|Material Damage||Not Applicable||Applicable, min. applies||Applicable, min. applies|
|Young and/ or inexperienced drivers||Applicable||Applicable||Applicable|