Your tractor may not be on the road (very often), but there are plenty of ways that it could get damaged. If you’re new to the world of tractor insurance, we wanted to go over a few of the most common claims made for this type of vehicle.
Claims reporting damage to or loss of the tractor are the most extensive of tractor insurance claims made. Just a few of the causes include fire, lightning, burglary, frost or malicious acts – all of which fall under this category.
Vandalism is a serious threat to tractor owners. Even the smallest damages caused by thoughtless or maliciousness can cost a lot in repair bills, so it is extremely important to make sure that vandalism is covered in your tractor insurance policy. As well, you should ensure that the deductible for this kind of claim is reasonable.
Theft – it happens more than you’d think. Tractors are an expensive vehicle, so it makes sense that people would try to steal them. To avoid your tractor from being stolen, you should park out of sight and as far away from roads as possible and don’t leave keys in the vehicle.
Another source for tractor damage is fire. Some common causes of tractor fires are minor oil or diesel leaks that ignite when coming into contact with a high temperature object such as the turbocharger or exhaust manifold. As well, a fire could start because of a build-up of dust and debris around the engine compartment. To avoid fires, you should maintain good servicing and cleaning and use a compressor on a daily basis to avoid build-up of dust and debris.
These are just a few of the most common claims filed for tractor insurance. By taking the proper precautions, you can avoid theses common offenders, which means you won’t be making as many tractor insurance claims.