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The Best Coverage and Price for Tractor Insurance

Canada’s first stand alone coverage solution designed for your personal tractor. Get coverage for your tractor within minutes.

To qualify for this program your tractor must;

  • Located in: Ontario, Nova Scotia, New Brunswick, or Prince Edward Island
  • Not be used for farming or to generate income – get a farm quote or commercial quote for this type of usage.

Starting at $14 per month, you can get insured today as your policy will be emailed instantly.

What is Tractor Insurance?

Identifying a new opportunity for an insurance product that has not been developed yet, Duliban Insurance Brokers created Tractor Protect – insurance for personal tractors. This program is designed for tractors that are used for personal use, valued under $80,000 and are primarily used around rural properties.

Tractor Protect includes exclusive premiums for any tractor owner in the following provinces only:

  • Ontario
  • Nova Scotia
  • New Brunswick
  • Prince Edward Island

You do not have to worry about a claim as we are available 24/365 for you and claims are handled by knowledgeable Duliban Insurance professional who knows and understands the value of your tractor.

Watch our One-on-One Interview with GP Outdoors

GO Outdoors
GP Outdoors: Tractor Insurance. Are you covered?

Tractor Protect Insurance

Tractor Protect was created as our office recognized a gap in insurance when it came to compact tractors. Adding your compact tractor to your home policy could cost up to $750 annually and would have limited coverage. Not only does our program save money, but it protects your investment with the same care and attention as your home.

One major restriction to having a compact tractor on your home policy is the on premise use only. This means if you were to assist a neighbour or you are clearing snow at the end of your driveway, once you leave your property, no coverage extends. We found this to be a major issue in the industry. We created this program with the leading factors being increased coverage AND off use coverage with having the piece of mind that coverage extends.

A benefit from having your tractor on a standalone policy, is to help protect your home policy in case of a claim. A tractor claim on your homeowner’s policy will likely remove your claims free discount and the premium for your home will increase for up to five years.

The tractor must not be used to generate a profit (snow removal for neighbours) or for farming operations to be eligible for the program. We are available at any time to discuss any questions or changes to the policy.

Tractor Protect includes additional features with the Platinum Endorsement Package. For a small fee increase you would benefit from:

  • Decreased deductible to $250 from $500
  • $10,000 extension of coverage for implements and accessories
  • $2,500 coverage for a rental

Coverage Details

The tractor must not be used to generate a profit (snow removal for neighbours) or for farming operations to be eligible for the program.

$2,000,000 liability coverage is included for the use of the tractor along with the property damage and bodily injury caused by its personal use and operation. There are exclusions for business use, pollution claims, and other situations which are outlined in the available policy wording.

Tractor Protect includes additional features with the Platinum Endorsement Package. For a small fee increase you would benefit from:

  • Decreased deductible to $250 from $500
  • $10,000 extension of coverage for tractor accessories
  • $2,500 coverage for a rental tractor

We are always available to answer any questions you may have about Tractor Protect, just give us a call 1-855-385-4226.

Tractor Resources For You

Frequently Asked Questions

What is the value of my new/used tractor?

New Tractors – If purchased within five years old: you will receive replacement cost with no deduction for deprecation

Used Tractors – If your tractor is older than five years: you will receive the current market value of a similar used tractor at the time of the claim

What happens when my policy renews?

Your policy will automatically renew on a monthly basis by billing the premium to your credit card on file. The documents will be emailed and mailed to the address on file. We are available at any time to discuss any questions or changes to the policy. Your policy can/will be cancelled based on:

  • credit card issues (expiration or credit limit)
  • instructed by you (cancel any time as it is a monthly subscription)

Is liability coverage included for the use of my tractor?

Yes, $2,000,000 liability coverage is included for the use of the tractor along with the property damage and bodily injury caused by its personal use and operation.There are exclusions for business use, pollution claims, and other situations which are outlined in the available policy wording.

For a complete list of liability exclusions, please contact us at any time.

What provinces qualify for this program?

We are working on rolling out Tractor Protect to all of Canada, this is a lengthy process and can be complicated at times. We have recently expanded to the Maritime provinces to provide the best tractor insurance on the market.

Tractor Protect is available in the following provinces:

  • Ontario
  • Nova Scotia
  • New Brunswick
  • Prince Edward Island

Is My Farm Tractor Covered?

Tractor Protect is not designed to cover farm tractors or farming equipment. Duliban Insurance can provide you a quote on Farm Insurance which would cover all your farming machinery and tractors.

Duliban Insurance works with the best farm insurance companies in Ontario and we specialize in providing custom farm insurance packages which cover farm equipment, farm machinery (including new/used tractors) and buildings.

Check out our Farm Insurance pages for more information.

What are the common peril exclusions in the policy?

 

This policy provides “All Risk” coverage and however is subject to common exclusions, these include as follows:

  1. latent defect, inherent vice, gradual deterioration or wear and tear;
  2. if the property insured is actually being worked on or repaired and directly resulting from or caused by any repairing, adjusting or servicing of the property insured, unless fire or explosion ensues and then only for the loss or damage caused by such ensuing fire or explosion;
  3. corrosion, rust, dampness of atmosphere, freezing or extremes of temperature;
  4. misappropriation, secretion, conversion, infidelity or any dishonest act on the part of “you” or other party of interest, “your” or their employees or agents or any person(s) to whom the property may be entrusted, except bailees for hire;
  5. any mysterious disappearance (tractor is missing without police report or records)
  6. mechanical breakdown, mechanical defect, scraping, scratching or marring;
  7. breaking or falling through ice;
  8. rodents (such as squirrels or rats), insects, birds, vermin (such as skunks and raccoons) or pests;
  9. the weight of a load imposed on a machine exceeding the capacity for which such machine was designed;
  10. while in any race, speed test or tractor pull event.

 

Dealership Partners

How does Tractor Protect benefit our dealership?

  • Tractor Protect provides your dealership with proof of insurance immediately after the purchase of the policy online
  • For every quote referred, we will pay the dealership or your sales team a referral bonus
  • Reduces dealership liability by providing full coverage on the machine, not just balance of a potential lien
  • Provides replacement cost coverage for new machines to 5 years

Frequently Asked Questions for Dealerships

Does Tractor Protect cover tractors used for commercial/business purposes?

Tractor Protect is not designed to cover machines use for business use. We do have alternate coverage plans available and our Farm and Commercial team would love to assist, 1-855-385-4226.

What is the Standard Policy Deductible?

The standard policy deductible is $500 which is lower than many farm and home policies. This can be reduced to $250 with the purchase of the Elite Plus Endorsement.

Can we get proof of insurance to submit to the financial company?

Yes, all policies bound online through Tractor Protect, will come with proof of insurance sent direct to the dealer immediately.

Where is Tractor Protect available?

 

Tractor Protect is now available in the following provinces:

  • Ontario
  • Newfoundland
  • New Brunswick
  • Nova Scotia
  • Prince Edward Island

We plan to make our tractor insurance program available nation wide.

 

The Duliban Hometown Advantage

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