Tractor insurance FAQs

Yes. Under the Motor Vehicles Act, at least third-party insurance is mandatory for any tractor used on a public road. Driving without it can mean a fine, and it leaves you personally liable for any injury or damage you cause to someone else.

Third-party cover pays only for damage or injury you cause to others — it pays nothing towards your own tractor. Comprehensive cover includes that third-party protection and also covers your own tractor against accident, fire, theft and natural calamity. Third-party is the legal minimum; comprehensive is what protects your asset.

Registration Certificate (RC) of the tractor, the previous policy if you are renewing, a photo ID and address proof, and for a claim-free renewal the previous insurer's No Claim Bonus details. For a new tractor, the invoice and temporary registration are enough to start.

Yes. Third-party cover is always available regardless of age. Comprehensive cover for older tractors depends on the insurer and usually needs a physical inspection, and the Insured Declared Value will be lower because the vehicle has depreciated.

Not automatically. A trolley is a separate registered unit and needs its own cover, and implements are usually added as an endorsement. Tell the advisor what you tow and use, and the quote will include them.

It moves with you. NCB belongs to the owner, not the insurer, so it carries over to a new insurer as long as the renewal happens within 90 days of the old policy expiring. Let it lapse past that window and the accumulated discount is lost.