tractor protect
coverage in minutes online
Canada’s first stand alone coverage solution designed for your personal tractor. Get coverage for your tractor within minutes.
How Tractor Protect by Duliban Insurance Brokers Works.
We are an independent insurance brokerage and distributer dating back to 1976. Helping with all insurance products from Canada's top providers, we represent you with one goal in mind..... to secure the best coverage at the best price for you our valued client.
STEP 1Click get a quote now and provide your details. Starting at just $18/month!
STEP 2Secure your insurance in minutes online!
STEP 3It's as simple as that! Now you have your coverage for your tractor!
Where Can You Get Coverage
Ontario
Nova Scotia
PEI
New Brunswick
What is Tractor Insurance?Insurance for personal tractors designed for tractors valued under $80,000 and are primarily used around rural properties.
Just Browsing? Get a Quick Quote Below for an Idea of Price.
Why Tractor Protect?
Adding your compact tractor to your home policy could cost up to $750 annually and would have limited coverage.
Not only does our program save money, but it protects your investment with the same care and attention as your home.
One major restriction to having a compact tractor on your home policy is the on premise use only.
This means if you were to assist a neighbour or you are clearing snow at the end of your driveway, once you leave your property, no coverage extends. We found this to be a major issue in the industry. We created this program with the leading factors being increased coverage AND off use coverage with having the piece of mind that coverage extends.
A benefit from having your tractor on a standalone policy, is to help protect your home policy in case of a claim. A tractor claim on your homeowner’s policy will likely remove your claims free discount and the premium for your home will increase for up to five years.
Coverage Details
The tractor must not be used to generate a profit (snow removal for neighbours) or for farming operations to be eligible for the program.
$2,000,000 liability coverage is included for the use of the tractor along with the property damage and bodily injury caused by its personal use and operation. There are exclusions for business use, pollution claims, and other situations which are outlined in the available policy wording.
Tractor Protect includes additional features with the Platinum Endorsement Package. For a small fee increase you would benefit from:
- Decreased deductible to $250 from $500
- $25,000 extension of coverage for tractor accessories
- $2,500 coverage for a rental tractor
TRACTOR PROTECT
Get quick and easy coverage in minutes online starting at just $18/month for your personal tractor.
Frequently Asked Questions
What is the value of my new/used tractor?
New Tractors – If purchased within five years old: you will receive replacement cost with no deduction for deprecation
Used Tractors – If your tractor is older than five years: you will receive the current market value of a similar used tractor at the time of the claim
What happens when my policy renews?
Your policy will automatically renew on a monthly basis by billing the premium to your credit card on file. The documents will be emailed and mailed to the address on file. We are available at any time to discuss any questions or changes to the policy. Your policy can/will be cancelled based on:
- credit card issues (expiration or credit limit)
- instructed by you (cancel any time as it is a monthly subscription)
Is liability coverage included for the use of my tractor?
Yes, $2,000,000 liability coverage is included for the use of the tractor along with the property damage and bodily injury caused by its personal use and operation. There are exclusions for business use, pollution claims, and other situations which are outlined in the available policy wording.
For a complete list of liability exclusions, please contact us at any time.
What provinces qualify for this program?
We are working on rolling out Tractor Protect to all of Canada, this is a lengthy process and can be complicated at times. We have recently expanded to the Maritime provinces to provide the best tractor insurance on the market.
Tractor Protect is available in the following provinces:
- Ontario
- Nova Scotia
- New Brunswick
- Prince Edward Island
Is My Farm Tractor Covered?
Tractor Protect is not designed to cover farm tractors or farming equipment. Duliban Insurance can provide you a quote on Farm Insurance which would cover all your farming machinery and tractors.
Duliban Insurance works with the best farm insurance companies in Ontario and we specialize in providing custom farm insurance packages which cover farm equipment, farm machinery (including new/used tractors) and buildings.
Check out our Farm Insurance pages for more information.
What are the common peril exclusions in the policy?
This policy provides “All Risk” coverage and however is subject to common exclusions, these include as follows:
- latent defect, inherent vice, gradual deterioration or wear and tear;
- if the property insured is actually being worked on or repaired and directly resulting from or caused by any repairing, adjusting or servicing of the property insured, unless fire or explosion ensues and then only for the loss or damage caused by such ensuing fire or explosion;
- corrosion, rust, dampness of atmosphere, freezing or extremes of temperature;
- misappropriation, secretion, conversion, infidelity or any dishonest act on the part of “you” or other party of interest, “your” or their employees or agents or any person(s) to whom the property may be entrusted, except bailees for hire;
- any mysterious disappearance (tractor is missing without police report or records)
- mechanical breakdown, mechanical defect, scraping, scratching or marring;
- breaking or falling through ice;
- rodents (such as squirrels or rats), insects, birds, vermin (such as skunks and raccoons) or pests;
- the weight of a load imposed on a machine exceeding the capacity for which such machine was designed;
- while in any race, speed test or tractor pull event.
Frequently Asked Questions for Dealerships
What is the Standard Policy Deductible?
The standard policy deductible is $500 which is lower than many farm and home policies. This can be reduced to $250 with the purchase of the Elite Plus Endorsement.
Can we get proof of insurance to submit to the financial company?
Yes, all policies bound online through Tractor Protect, will come with proof of insurance sent direct to the dealer immediately.
Where is Tractor Protect available?
Tractor Protect is now available in the following provinces:
- Ontario
- New Brunswick
- Nova Scotia
- Prince Edward Island
We plan to make our tractor insurance program available nation wide.
Does Tractor Protect cover tractors used for commercial/business purposes?
Tractor Protect is not designed to cover machines use for business use. We do have alternate coverage plans available and our Farm and Commercial team would love to assist, 1-855-385-4226.
The Duliban Advantage
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Our team of insurance professionals ensures that YOU receive the best coverage possible at the very best price.
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With multiple provincial and national recognition awards, it’s no wonder why our clients rave about us.
Simple Language
We make sure that you understand your policy without confusing you with complicated insurance jargon.