KUBOTA INSURANCE

Arranging insurance for a Kubota tractor can sometimes be done to an individual’s home owners insurance policy, depending upon the size of the tractor and whether it is being used for domestic or business purposes.

Insurance companies vary quite widely as to whether they will provide cover or not. Those that do provide cover all willing to extend a policy normally provide fairly restrictive coverage.

Normally a much better alternative is Kubota’s own dedicated website, which provides a much better and more inclusive range of insurance products, and will normally be a requirement of any credit arrangement made, either with Kubota credit or any other credit agency.

Kubota Insurance – Cover

Kubota’s website gives a brief indication of the type of perils it will insure against :

Theft

Fire

Glass Breakage

Falling Objects

Collision

Hail

Tornado

Hurricane

Flood

Vandalism

Roll-Over (upset)

Earthquake

Water Damage

This is a fairly generalised list, but should give an indication of the type of cover that is available.

Kubota Insurance – Risk assessment

Anyone owning a Kubota tractor would do well to do a risk assessment of their home and environment, whether as a formal or an informal process.

Anyone who uses a Kubota tractor simply as a domestic vehicle will have different risks and therefore different insurance requirements to someone who uses a Kubota Tractor in any type of commercial setting.

Any risk assessment of a Kubota tractor for insurance purposes would do well to focus on certain areas of operation, mainly the cost of replacement cost of the tractor itself and public and employee liability, and make sure these risks are covered under the insurance policy itself.

Kubota Insurance – Specific policy areas :

Damage to or theft of the tractor and where it is located

Liability to the public

Liability to any employees if a commercial operation

Who is authorised to use the tractor

Where the tractor is authorised to be used, i.e. on privately owned land, on public roads and /or on neighbouring or adjacent farms

Trailers – what is specified as a trailer, i.e. an articulated trailer unit, what is not specified, and for usage and on what types of terrain the trailer is covered.

Whether the tractor is covered or not when it is in possession of a third party for purposes of servicing and repair, including transit thereof to any third party dealership or similar.

Goods in transit insurance – really important to know what is and is not covered on a domestic/commercial basis, this can affect general wear and tear of products, business interruption and certain aspects of any liability insurance policy.

Whether or not any legal protection costs are included in the policy

Whether or not tree filling or tree haulage is covered if appropriate

All accessories or attachments that are likely to be used on any Kubota tractor for any purpose or insured at all times.

Kubota Insurance – Tractor Safety

Kubota Tractor safety is a huge issue both in terms of any individual’s actual safety and in terms of risk assessment and subsequent insurance costs.

There are three main areas of safety that are key.

To make sure that any operative of the Kubota tractor has fully studied and understood the instruction manual that comes with the tractor, especially how to stop it in an emergency, and all the emergency procedures recommended by the manufacturer.

That any operative of the Kubota tractor is fully qualified and capable of driving an understanding of mechanics of the tractor.

This is especially important where a Kubota tractor is used either in a domestic setting or on a family farm, where there may be a temptation to let someone who is a younger member of the family use the vehicle.

Capability of driving any type of Kubota tractor should be carefully assessed and if in doubt as to what age is appropriate check with the manufacturer or local law enforcement.

The Kubota tractor itself should always be fitted with a Roll Over Protective System (ROPS) and a seat belt which should be worn at all times.

On all modern Kubota tractor a ROPS will come as standard, but may not be fitted to some older models or Kubota tractors that were bought on the grey market.

Kubota Insurance – Accident Prevention

The main causes of accidents when using a Kubota tractor tend to be threefold.

The most common type of accident tends to happen when a Kubota tractor is being used too close to a verge or is being used at such an angle that the tractor becomes unstable and tips over.

A Kubota tractor should only ever be used on land that is relatively flat, and on land presents no possibility of the machine tipping over onto its side. A Kubota tractor should also never be driven backwards for the same reasons.

Another major cause of accidents is when the Kubota tractor hits an individual or object because the environment in which the tractor is being used has not been secured properly.

It is essential when using any type of tractor to make sure there are no individuals or noticeable objects that could come into contact with the tractor and cause damage or fatality to the individual or the tractor itself.

The other type of accident tends to happen when the operative of the tractor leaves the vehicle and either hasn’t turned it off properly or put it in its designated parking mode, resulting in some type of runaway tractor that can obviously cause immense damage.

Kubota Insurance and Farm Insurance

If a Kubota tractor is being used on a farm or ranch, or in any type of agricultural or commercial setting then it is possible that it will need to be included as part of an overall farm insurance policy.

When this is the case it is advisable to specify the tractor or tractors so they are listed individually, along with any attachments or implements associated with such tractors. It is also a good idea to list any manufacturers details as well.