Machinery insurance
combines, tractors, special equipment — coverage and cost
What it covers
Machinery CASCO:
damage, theft, fire, overturn — 2–5% of value per year
Registration liability:
mandatory liability policy for special equipment registration
Weather & war risks:
hail, drought for field machinery; war as separate rider
Breakdown:
mechanical failures — rarely covered, usually a separate contract
How the tariff is set
Machine value:
sum insured = market price, not new-price
Age & wear:
10+ year machines — higher tariff or refusal
Seasonality:
combines work 2 months — seasonal policies 30–40% cheaper
Deductible:
1–5% of sum cuts the tariff by 15–30%
Claim documents
Inspection report:
photos of damage and site, within 3 days
Registration docs:
machine passport, lease agreement if any
Police/SES:
certificate for theft or fire — mandatory
Repair estimate:
from dealer or service — proves the loss amount