The Farmcare Motor policy is designed to accommodate all of the vehicles used by a working farmer.

The policy, backed by Chaucer, is wholly and exclusively delegated to BiB with all documentation issued by our in house underwriters - allowing us to guarantee the highest service standards.

Sectionalised, the cover incorporates Private Cars, Commercial Vehicles & Agricultural Vehicles, including ATV’s, and Special Types

The main features of the policy provide:

• Automatic cover for Unspecified Trailers, both attached and detached, up to a limit of £25,000 per trailer. N.B. Horse trailers/boxes, Caravans and Fuel Bowsers need to be specified.

• Ability to include 3 or 4 wheel All Terrain Vehicles.

• Individual No Claims Bonus on Private Cars (4 Year scale. 60% maximum) Commercial Vehicles (4 Year scale. 40% maximum), 2 year step back for claims.

• Protected Bonus now available for Private Cars and Commercial Vehicles.

• Windscreen cover for ALL vehicles subject to £50 excess (Using 24 hour glass helpline - 0800 5870808 ). Where alternative repairer used in respect of Private Cars & Commercial Vehicles, a £100 excess will apply.

• Private Car Replacement Option – subject to certain conditions
For cars less than 12 months old where repair costs exceed more than 60% of value. (N.B. Only applies when policy is in name of individual)

• Option for variable voluntary excesses up to £1,000.

• Commercial & Agricultural Vehicles only: Public (Property Damage) Liability Indemnity Limit of £2M.

• Manslaughter Defence costs (Limited to £5,000)

• Cover for Radio Cassette Players/Communication Equipment permanently fitted. (£400 limit for items not fitted as standard by manufacturer.)

• Cover for Personal belongings is included within Private Car section, limited to £250.

• Young drivers excess levels:
Under 21 £300
21 – 24 £200
over 25 but full licence for less than 12 months £200

• Security: Cover is inoperative when vehicle is left unattended, unless the ignition key is removed and all doors, windows and other openings are closed and locked

• Generous discounts available for restricted driving

• Voluntary excesses apply to Accidental Damage, Fire and Theft.

Please note this is a summary of cover and not a Key Facts Summary which is available separately from our stationery page

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