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Agricultural Vehicles

Overview

The object of this insurance is to indemnify for accidental loss of or damage to agricultural vehicles (e.g. tractors, combined harvesters, e.t.c.) while being driven by the insured or other persons carrying out related legal activity with the insured’s consent, and providing financial compensation for third party bodily injury or property damage.

Features

Basic covers available in Madison Insurance are:

Third Party Risk Only (TPO) Cover
This covers bodily injury including death to Third Parties caused by accidents occurring on public roads. Claimants' costs and other costs incurred with insurer's written consent are also recoverable. Third Party property damage is covered upto specified limits in addition to bodily injury and costs described above.

Third Party Fire and Theft Cover
Loss of or damage to the insured vehicle caused by fire and theft is covered in addition to the covers available under the "Third Party Risk only" cover described above.

Comprehensive Cover
This is the widest cover available in motor insurance as it covers loss of or damage to the insured vehicle in addition to the covers available under the two described above.

Benefits

(for a comprehensive cover)

  • Own vehicle damage in case of accident
  • Theft of the vehicle
  • Accidental fire damage to the vehicle
  • Third party property damage
  • Third party bodily injuries
  • Loss or damage to the accessories if declared at inception of the cover
  • Legal expenses in defending claims incurred with prior consent of Madison Insurance.

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