Quad Bike & ATV Insurance

In most cases, yes. Quad bikes and ATVs are typically listed under the machinery and equipment section of a farm package policy. You need to ensure each machine is listed with its correct sum insured. Some basic farm policies may have low sub-limits on unspecified machinery, so check that your quads are individually listed.

Yes. Accidental damage including rollovers is covered under most farm machinery policies. However, some insurers may apply conditions such as requiring operator protection devices (OPDs) to be fitted, or may apply a higher excess for rollover claims on quad bikes without ROPS.

Not necessarily cheaper in dollar terms, because SSVs typically have higher purchase values. However, on a rate basis (premium as a percentage of value), SSVs may attract more favourable terms due to their superior safety features including ROPS, seat belts and lower rollover risk.

Most insurers and workplace safety regulations prohibit children under 16 from operating adult-sized quad bikes. Incidents involving underage operators may not be covered under your farm policy and can create serious liability for the property owner. Youth-specific quad bikes are available for younger riders but should still be insured.

Yes. Theft cover is a standard inclusion for listed machinery under most farm policies. Given that quad bikes are portable and frequently targeted, ensure they are individually listed and consider security measures such as locked storage, GPS trackers and chains to reduce risk and support your claim.

If the quad bike is used exclusively on your property, registration and CTP are generally not required. However, if it is ridden on public roads or road reserves, registration and CTP are legally required in most states. Check your state's specific rules, as requirements vary between jurisdictions.

Farm insurers covering quad bikes and ATVs include WFI, QBE, CGU, Elders Insurance, Zurich and Hollard. Each has different approaches to safety conditions, excess levels and cover for SSVs versus traditional quad bikes. At Shielded, we compare across these insurers to find the best option for your farm.

Australian farm insurance typically includes cover for farm buildings and structures, contents and machinery, livestock, crops, public liability, farm motor vehicles, and business interruption. Most insurers offer a farm package policy that bundles these covers together. At Shielded, we compare packages from insurers like WFI, Elders, QBE, CGU, Zurich, Hollard and others to find the right combination for your operation.

Farm insurance premiums vary significantly based on property value, location, farm type, and the covers selected. A basic hobby farm package may cost $1,500 to $4,000 per year, while a large broadacre or cattle operation could range from $5,000 to $20,000 or more. Factors like bushfire or flood risk zones, claims history, and the value of machinery and livestock all affect pricing. Request a free quote through Shielded for an accurate indication.

Crop insurance is usually an optional add-on to a standard farm package, not included by default. It protects against losses from hail, frost, fire, flood and other weather events that affect crop yield and quality. Multi-peril crop insurance (MPCI) provides broader cover but is priced based on your specific crop type, location and historical yields.

Most comprehensive farm insurance policies include cover for bushfire, storm and flood damage to buildings, contents, machinery and fencing. However, coverage limits and excesses can vary significantly depending on your property's risk rating. Properties in high-risk bushfire or flood zones may face higher premiums or specific excess levels. It is important to review your policy details and sum insured amounts regularly.

Farm liability insurance (also called public liability) protects you against claims for bodily injury or property damage caused by your farming operations. If a visitor, contractor or neighbour is injured on your property, or your livestock escape and cause damage, liability cover pays for legal costs and compensation. Most farm package policies include $10M to $20M of public liability cover as standard.

Farm machinery and equipment are typically covered under the contents and machinery section of a farm package policy. However, high-value items like harvesters, headers, tractors and irrigation equipment should be individually listed with accurate sum insured values. Portable equipment and items used away from the property may need additional cover. Review your sums insured annually as replacement costs increase.

Contact us at Shielded Insurance on 1800 97 98 99 or reach out to your insurer directly. We recommend notifying us as soon as possible after a loss event, documenting the damage with photos, and keeping records of all related expenses. Our team will guide you through the claims process.

Yes. Hobby farms and lifestyle properties can be insured under specialist rural property policies or scaled-down farm packages. These policies typically cover the dwelling, sheds and outbuildings, fencing, a small number of livestock, hobby machinery and public liability. Insurers like CGU, WFI and QBE all offer hobby farm products. Premiums are generally lower than commercial farm policies.

We compare farm insurance quotes from a wide panel of Australian rural insurers including WFI, Elders Insurance, QBE, CGU, Zurich, Hollard, Nutrien Ag Solutions and others. The best insurer for your situation depends on your farm type, location, and the specific covers you need. As brokers, we do the comparison work for you.

Review your farm insurance annually at renewal, or whenever there are significant changes to your operation - such as purchasing new machinery, building new structures, expanding acreage, adding livestock, or changing your farming activities. Building costs and machinery replacement values increase over time, so keeping your sums insured up to date is essential to avoid being underinsured at claim time.