Tractor insurance

Cover for tractor in private use
1

Tractor insurance covers fire and theft

Medium Motor Insurance is an inexpensive tractor insurance covering theft, fire losses and any legal expenses.

2

Insurance policies for your tractor

We offer motor liability insurance and comprehensive motor vehicle insurance to tractors not in production use.

3

Owner-customer benefits

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

Insurance to cover the tractor and its driver

It is handy to have your own tractor if you have to shovel a lot of snow or transport firewood. Private individuals can insure a tractor that is not in production use. Tractors in private use can be used for clearing the snow off your yard, transporting your own firewood or for other private use.

Tractor insurance consists of motor liability insurance and, if you so choose, also comprehensive motor vehicle insurance. Motor liability insurance covers any of the driver’s or passengers’ personal injuries and their treatment and any losses caused to an innocent adverse party. To cover losses to your tractor, you should take out comprehensive motor vehicle insurance.

Tractor insurance can also be used to cover utility ATVs.

Tractor insurance covers fire and theft

If your tractor is less than 50 years old, in addition to the motor liability insurance you can also take out Medium Motor Insurance. Medium Motor Insurance is an inexpensive tractor insurance covering theft, fire losses and any legal expenses.

You can buy Medium Motor Insurance also for a quad bike registered as a tractor. If you want to take out Maxi Motor Insurance for your tractor or utility ATV to also cover collision losses, please contact our customer service.

The worst tractor accidents happen when a tractor falls over and the driver is pinned underneath it.

Teuvo Kaipainen Product Specialist, Pohjola Insurance

Remember to lock your tractor and utility ATV whenever you are not using it

Whether a loss is big or small, it is always a nuisance. Reduce the risk of theft by always locking your tractor and keeping your utility ATV in a locked space. A tractor is considered to be properly locked when the keys are out of the ignition and the steering lock or the immobiliser is activated. If this is not possible, the vehicle must be locked with a brake lever lock, chain lock or wire lock, preventing unauthorised use.

If the tractor or utility ATV is nevertheless stolen, report it first thing to the police. Then inform us about the theft. A loss report is easiest to do online or in OP-mobile, which also reduces our time to reach a claim settlement decision.

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As a Pohjola Insurance prime customer you will receive discounts benefits. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts and the bonuses you have received as an owner-customer are used for your insurance premiums.

The insurance is issued by Pohjola Insurance Ltd.