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Agriculture Tractor Insurance
Agriculture Tractor Insurance is a dedicated insurance policy created to safeguard farmers, agri-entrepreneurs, and equipment owners from unexpected financial losses. Whether your tractor is brand new, used, second-hand, or pre-owned, this insurance protects your valuable farming asset along with attached implements and machinery.
From mini and compact tractors to heavy-duty, high-HP, 4×4 row-crop models, tractor insurance plays a vital role in today’s agriculture. It supports safe farming operations such as cultivation, ploughing, tillage, sowing, harvesting, and agricultural transportation.
Agriculture Tractor Insurance Plans#1
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Claim Benefits
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
What is Commercial Vehicle Insurance?
A Commercial Vehicle Insurance is a motor insurance policy to cover for damage and loss caused to and by a commercial vehicle. Owner of the vehicle and driver who drives the vehicle. This could include damage and losses in situations as accident, collisions, fires, theft, natural calamities, etc. it is mainly for all type of business to buy a commercial vehicle insurance for their vehicles, such as for auto rickshaws, cabs, pickups, trucks, tractors, school buses, commercial vans, jcb, harvester and amongst other.
Agriculture Tractor & Related Models – Insurance Price List
Agriculture tractors are the backbone of Indian farming and allied activities. Used for ploughing, sowing, harvesting, irrigation, and material transport, these tractors are critical for farm productivity and income generation.
Proper insurance protects farmers, operators, and agricultural operations from financial risks such as accidents, theft, breakdowns, and natural calamities.
Agriculture Tractor Insurance – Approximate Price List (India)
Mahindra 265 DI / 275 DI
1st Year Premium: ₹7,500 – ₹11,500
Renewal (with NCB): ₹5,000 – ₹9,000
Mahindra 275 DI Power+ / 585 DI
1st Year Premium: ₹9,000 – ₹14,500
Renewal (with NCB): ₹6,500 – ₹11,000
John Deere / Escorts / Eicher Tractors
1st Year Premium: ₹8,500 – ₹15,000
Renewal (with NCB): ₹6,000 – ₹12,500
Heavy-Duty / Utility Tractors
1st Year Premium: ₹12,000 – ₹25,000
Renewal (with NCB): ₹8,000 – ₹18,000
Related Attachments / Farm Equipment
1st Year Premium: ₹9,000 – ₹18,000
Renewal (with NCB): ₹6,500 – ₹14,000
Note: Final premium depends on IDV, vehicle age, fuel type, city, add-ons, NCB, and insurer selection.
What Is the Main Reason for Agriculture Tractor Insurance?
The primary reason to buy Agriculture Tractor insurance is:
To protect your tractor, operator, and farming operations from financial loss caused by accidents, theft, natural disasters, and third-party liabilities.
Since tractors are used daily in fields and rural terrains, even minor incidents can lead to costly repairs, income loss, or disruption of farm activities without insurance.
Types of Agriculture Tractor Insurance Policies Available
Third-Party Liability Insurance
- Mandatory under Motor Vehicles Act
- Covers injury, death, or property damage to third parties
- Does not cover your own tractor
Comprehensive Insurance (Highly Recommended)
- Covers third-party liability + own tractor damage
- Covers accidents, fire, theft, floods, storms, landslides
- Ideal for agricultural and allied operations
Standalone Own-Damage Insurance
- Covers only damage to your tractor
- Requires active third-party insurance
Add-Ons / Riders for Enhanced Protection
- Zero Depreciation Cover
- Engine & Gearbox Protection
- Roadside Assistance
- Consumables Cover
- Return to Invoice
- Operator / Driver Personal Accident Cover
Add-ons slightly increase premium but greatly reduce out-of-pocket claim expenses.
Agriculture Tractor Insurance Price – Premium & Cost Factors
Key Factors Affecting Insurance Cost
- IDV (Insured Declared Value)
- City / RTO Zone
- Vehicle Age & Model
- Fuel Type (Diesel / CNG)
- No Claim Bonus (NCB) – Up to 50% discount
- Usage Type (Farming / Construction / Transport)
- Policy Coverage & Add-ons Selected
- Claim History & Operator Profile
Why Buy Agriculture Tractor Insurance Online from PolicyLegit?
Instant Quote Comparison
Compare premiums from multiple insurers instantly.
Affordable Pricing
Online purchase avoids extra agent commission costs.
Customised Coverage
Select add-ons based on farming needs and terrain.
Renewal Alerts
Protect your NCB and avoid policy lapse.
100% Digital & Paperless
Instant policy issuance and secure online payment.
Dedicated Claim Assistance
End-to-end support during claim settlement.
Agriculture Tractor Insurance Renewal – Simple Online Process
Renew your Agriculture Tractor insurance in 5 easy steps:
- Enter your tractor number
- Compare renewal quotes instantly
- Select coverage & add-ons
- Make secure online payment
- Download renewed policy instantly
Renew before expiry to avoid inspection delays, penalties, and NCB loss.
Get the best Agriculture Tractor Insurance today.
Commercial Vehicle Insurance
Types of Vehicles insured in Commercial Vehicle Insurance Policy
Commercial vehicles are an essential mode of transportation and are heavy-duty vehicles used daily to carry out tasks. Some of the most common commercial vehicles are:
- Trucks
- Vans
- Trailers
- Buses
- Taxies
- Coaches
- Carriers
- Shovels
- Tractors
- Cranes
- Mobile rigs
- Bulldozers
These commercial vehicles transport goods within the city/cities and from one state to another, as well as for intercity passenger tours and travel.
Coverage Under Commercial Vehicle Insurance
- Losses due to riots, strikes, natural calamities such as earthquakes, hurricanes, cyclones, etc, are covered
- Damages to the vehicle arising out of fire, self-ignition and explosion
- Partial or total loss to the insured vehicle due to theft, housebreaking, and burglary
- Loss or damage caused to the third-party property, vehicle, bodily injuries and death of the third person.
- Damages arising out of road accidents or collisions are also covered.
- Wear and tear/depreciation of the commercial vehicle.
- Losses incurred during a civil war, nuclear perils.
- Contractual liabilities of the owner/driver of the insured commercial vehicle are also not covered.
- The occurrence of an accident while driving with an invalid driving license or under the consumption of alcohol.
- Using a vehicle in accordance with 'limitations as to use', for instance, a private car is used as a taxi.
- Electrical and mechanical breakdown, breakage or failure of the insured vehicle.
List of Agriculture Tractor Commercial Vehicle Insurance Companies in India 2026
Following is the list of general insurance companies that offer commercial vehicle insurance:
| Insurer Name | Passenger Carrying Vehicle Insurance | Goods Carrying Vehicle Insurance | Miscellaneous Vehicle Insurance |
| Bajaj Allianz Commercial Vehicle Insurance | No | Yes | No |
| Godigit Commercial Vehicle Insurance | Yes | Yes | Yes |
| New India Assurance Commercial Vehicle Insurance | Yes | Yes | No |
| Reliance General Commercial Vehicle Insurance | Yes | Yes | Yes |
| SBI General Commercial Vehicle Insurance | Yes | Yes | Yes |
| Shriram General Commercial Vehicle Insurance | Yes | Yes | No |
| United India Commercial Vehicle Insurance | Yes | Yes | No |
| Zuno Commercial Vehicle Insurance | Yes | Yes | No |
*Disclaimer: The table mentioned above is according to the alphabetical order of the insurance company. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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