Contractor plant machinery insurance
For activities like agriculture, construction, forestry, or cargo handling, it’s crucial to protect your mobile machinery against many risks. This insurance covers special-purpose machines not covered by standard property or vehicle insurance.
Agricultural and other mobile machinery insurance
for works without problems
Challenges can be faced by using your equipment, as well as just leaving it outside or in the garage. In such case, mobile equipment insurance protects the most important equipment belonging to you so you can keep working as planned.
We will compensate losses in case of loss of mobile equipment
We will cover damages incurred as a result of loss of or damage to insured equipment.
We will protect your property 24/7
We will provide coverage for mobile equipment when the equipment is not in operation.
We will adapt to your needs
Choose the insurance option that suits you: minimum, standard or maximum.
Mobile equipment insurance options
Option MINIMUM
Valid in case of fire, explosion, storm, hail, theft with burglary.
Option STANDARD
Valid in case of fire, explosion, storm, hail, theft with burglary. Valid in case of crash accident and vandalism.
Option MAXIMUM
Valid in case of a fire, explosion, storm, hail, burglary. Valid in case of an emergency and vandalism. Valid in the event of a tree falling over, glass breakage or any external impact.
Price of the mobile equipment insurance and a personalised offer to you
What is covered by mobile equipment insurance?
All risks
In the event of an unforeseen event, mobile equipment insurance covers you against the following risks:
- traffic accident
- theft
- vandalism
- forces of nature
- fire
- other risks.
Traffic accident
In case of a traffic accident, coverage is valid against:
- damage to, destruction or loss of the insured property on the road;
- collision with another self-propelled or stationary object or overturning.
Theft
In case of a theft, coverage is valid against unlawful theft of the insured property or its parts by breaking into locked premises of a protected building or a fully fenced and protected area where the insured property is kept. Burglary is defined as the physical breaking of the barriers (e.g. doors, windows, walls, roofs, fences, gates, etc.) which restrict access to the place where the insured property is stored
Vandalism
In case of vandalism, coverage is valid against intentional damage to, loss, or destruction of insured property by third parties.
Forces of nature
In case of forces of nature, coverage is valid against:
- storm
- hail
- sudden and unforeseen flooding and shower
- snow pressure
- subsidence
- landslides
Fire
In case of a fire risk, coverage is valid against:
- fire
- explosion
- lightning strike
- falling or striking of an operated aircraft, parts of the aircraft or cargo carried by the aircraft.
Other risks
In case of other risks, coverage is valid against other incidents where the mobile equipment is damaged, destroyed or stolen due to external forces. Not valid for the non-insured events referred to in these terms and conditions.
What is covered by mobile equipment insurance?
In the event of an unforeseen event, mobile equipment insurance covers you against the following risks:
- traffic accident
- theft
- vandalism
- forces of nature
- fire
- other risks.
In case of a traffic accident, coverage is valid against:
- damage to, destruction or loss of the insured property on the road;
- collision with another self-propelled or stationary object or overturning.
In case of a theft, coverage is valid against unlawful theft of the insured property or its parts by breaking into locked premises of a protected building or a fully fenced and protected area where the insured property is kept. Burglary is defined as the physical breaking of the barriers (e.g. doors, windows, walls, roofs, fences, gates, etc.) which restrict access to the place where the insured property is stored
In case of vandalism, coverage is valid against intentional damage to, loss, or destruction of insured property by third parties.
In case of forces of nature, coverage is valid against:
- storm
- hail
- sudden and unforeseen flooding and shower
- snow pressure
- subsidence
- landslides
In case of a fire risk, coverage is valid against:
- fire
- explosion
- lightning strike
- falling or striking of an operated aircraft, parts of the aircraft or cargo carried by the aircraft.
In case of other risks, coverage is valid against other incidents where the mobile equipment is damaged, destroyed or stolen due to external forces. Not valid for the non-insured events referred to in these terms and conditions.
What can we cover additionally?
Windscreen insurance clause
Once during the term of the insurance contract, windscreen breakage losses are covered without applying a deductible.
Tyre insurance clause
Once during the term of the insurance contract, tyre damage is covered provided that no other insured parts are damaged.
Rescue insurance clause
If an insured event occurs, the costs for rescue and transportation of the insured property are covered up to the limit specified in the insurance contract.
Theft from unfenced and unguarded territory insurance
The insured event is the loss of the insured property or its parts as a result of a theft from an unfenced and unguarded area (within 150 metres from the residential house).
What can we cover additionally?
Once during the term of the insurance contract, windscreen breakage losses are covered without applying a deductible.
Once during the term of the insurance contract, tyre damage is covered provided that no other insured parts are damaged.
If an insured event occurs, the costs for rescue and transportation of the insured property are covered up to the limit specified in the insurance contract.
The insured event is the loss of the insured property or its parts as a result of a theft from an unfenced and unguarded area (within 150 metres from the residential house).
Why to choose ERGO insurance?
We will protect your mobile equipment within the working hours and outside the working hours, throughout Lithuania
We will reimburse damages if the equipment has suffered damage during loading and transport, except for marine transport
In the event of a partial loss, objects up to 5 years old insured at replacement cost will not be subject to depreciation
We will provide cover if the insured equipment is rented or transferred to third parties
Frequently asked questions about mobile equipment insurance
The insurance is only valid if you insure the object with the maximum option and choose the additional coverage of theft from unfenced and unguarded territory or simple theft (GPS). In case of a simple theft, the insurance is only valid for the theft of the entire facility.
We will reimburse tyre damage if there is no damage to other insured parts, the equipment is insured with the maximum option, there is an external force, and there is an additional tyre insurance.
The glass breakage deductible applies unless the agricultural machinery is insured with the maximum option and additional glass insurance is selected. In this case, once per insurance period, no glass deductible will apply.
The insurance is valid only when the object is insured with the maximum coverage option and additional theft insurance for items left in unfenced and unprotected areas (within 150 meters of a permanently occupied house) or simple theft insurance (GPS) is chosen. In case of simple theft, this coverage applies only if the entire property is stolen.
Yes, but only if the equipment is operated by someone who has the right to operate it.
Yes, if the equipment is insured with the maximum option.
No, the insurance contract cannot be less than one year.
It is applicable if the equipment is insured with the maximum option and a foreign object access extension is selected.
The cost of tractor insurance depends on many factors, so please contact an ERGO insurance consultant or call by telephone 1887 to find out the exact price.
Mobile equipment insurance terms and conditions
Expired
Mobilios technikos draudimo taisyklės.pdf
Valid for contracts issued until 2022-07-14
Mobilios technikos draudimo taisyklės.pdf
Valid for contracts issued until 2014-11-01
Mobilios technikos draudimo taisyklės.pdf
Valid for contracts issued until 2014-07-14
Mobilios technikos draudimo taisyklės.pdf
Valid for contracts issued until 2013-03-31
