Keep Your Machinery & Plant Protected
Your plant, machinery, equipment and tools are essential to getting a job finished on time, or at all, so it’s important that these are protected in the event of an unforeseen accident. Included as an optional extension under some of our public liability policies, our plant & machinery cover is ideal for those working on a construction site, and provides cover for everything from fire to vandalism and theft – and it even covers hired-in plant as well.
Our plant insurance can only be bought as part of one of our public liability policies, and cannot be sold separately.
Plant Insurance: What’s Included In Your Cover?
To ensure you get the best possible cover for the lowest price, we include plant insurance under our contract works optional cover. It includes:
- Contract works cover from £50,000 to £500,000
- All risks cover
- Construction plant, tools and equipment from £5,000 to £75,000
- Off-site storage
- Temporary buildings from £5,000 to £25,000
- Hired in plant up to £50,000 for any one item
- Hired in plant annual fees from £2,500 to £50,000
- Immobilised plant
- Plant cover includes JCBs & diggers
- Low-cost monthly instalments available
- Covered while in transit
- Continuing hiring charges
Plant Insurance: Frequently Asked Questions
Why do I need plant insurance?
If you’re working as a building contractor or a tradesman, then you’ll no doubt spend a lot of time on a client’s site with either your own machinery, or plant you’ve hired in for the job. If these are lost or stolen, it’ll be up to you to replace or repair them. Our plant insurance will cover these costs, which makes it a vital necessity for anyone using plant in their business.
Why do you not offer plant insurance in isolation?
Most insurers are unable to offer plant insurance on its own due to the high level of claims that arise from this type of cover. It’s often included as part of a comprehensive public liability insurance package.
What if my construction plant is stolen?
If your construction plant is stolen, report it to the police. Get a crime reference number and then contact our claims department. We will often give authorisation for you to replace the plant while we deal with your claim, enabling you to get back to work quickly.
Will you cover my continuing hiring charges?
Yes, we will. The maximum we’ll pay is the equivalent to 90 days’ worth of hiring charges.