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5 Common Plant Equipment Insurance Claims and How to Avoid Them
Whether you operate a single excavator or manage a fleet of machines across multiple sites, Plant & Machinery Insurance is vital for protecting your…
Plant & MachineryInsurance
Plant & Machinery Insurance
Specialist cover for the machines your business relies on, owned or hired in, on site, in transit or on the road.
Specialist cover for the machines your business relies on, owned or hired in, on site, in transit or on the road.
One policy, every machineTheft & damage coverRoad use arranged
Compare & Protect
Speak to an adviser today 0330 808 1905
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Cover for every type of plant and machinery
Cover for every type of plant and machinery
Choose the machine you work with to see the cover built around it.
Choose the machine you work with to see the cover built around it.
Digger & Excavator Insurance
Cover for tracked and wheeled excavators and mini diggers, on site, in transit or in storage.
Telehandler Insurance
Protection for telescopic handlers used to lift and place loads across construction sites.
Forklift Insurance
Cover for forklifts working in warehouses, yards and on site, including road use where needed.
Cherry Picker Insurance
Cover for MEWPs and access platforms used for working at height, owned or hired in.
Crane Insurance
Specialist cover for mobile, lorry-mounted and tower cranes, with lifting liability arranged alongside.
Dump Truck Insurance
Cover for site dumpers and articulated dumpers moving materials around a site.
What is plant and machinery insurance?
Plant and machinery insurance, also called contractors’ plant insurance, protects the equipment your business owns or hires against loss, theft and accidental damage. It covers machines on site, in storage and in transit, and can be extended for road use, liability and the hire charges you keep paying on a damaged hired machine.
A plant policy can usually include:
Theft and vandalismAccidental damageFire, flood and stormPlant in transitHired-in plantContinuing hire chargesPlant cover is separate from motor insurance. Any machine driven on a public road, even between sites, also needs road risks cover.
Which plant cover do you need?
Which plant cover do you need?
Most contractors need cover for the machines they own, the machines they hire in, or both. This comparison shows what each type of cover does.
Most contractors need cover for the machines they own, the machines they hire in, or both. This comparison shows what each type of cover does.
| Type of cover | What it protects | Owned or hired | Typical use | On site | In transit | On the road | Liability |
|---|---|---|---|---|---|---|---|
| Own Plant Insurance | Machines you own or are financing | Owned | Diggers, dumpers and telehandlers |  | |  | |
| Hired-In Plant | Machines hired from a plant hire firm | Hired | Short-term and project hires | | | | |
| Continuing Hire Charges | Hire fees you keep paying after damage | Hired | Extension to hired-in cover | | | | |
| Plant in Transit | Machines moved between sites | Both | Low-loaders and plant trailers | | | | |
| Plant Road Risks | Self-propelled plant used on public roads | Both | Telehandlers and cherry pickers | | | | |
| Public Liability | Injury or damage your machines cause | Both | All site and yard work | | | | |
Still unsure which plant cover you need?
Speak to an AdviserChoose cover based on how you work
Choose cover based on how you work
I dig and move earth
Digger & Excavator Insurance- Dump Truck Insurance
- Own Plant Cover
I lift and place loads
- Telehandler Insurance
- Crane Insurance
- Lifting liability options
I work at height
- Cherry Picker Insurance
- MEWP and access cover
- Hired-in plant options
I move materials in a yard
- Forklift Insurance
- Telehandler Insurance
- Road risk options
I move machines between sites
- Plant in Transit Cover
- Low-loader and trailer options
- Multi-site policies
I run several machines
- Plant Fleet Cover
- Own Plant Insurance
- Mixed plant and vehicles
How to insure your plant and machinery
How to insure your plant and machinery
Tell us what you run, whether it’s owned or hired, and we’ll compare specialist plant insurers.
Tell us what you run, whether it’s owned or hired, and we’ll compare specialist plant insurers.
1
Tell us about your plant
The machines you own or hire, their values and where they work.
2
Confirm sites and security
Where machines are kept overnight and how they’re secured.
3
We compare insurers
We search specialist plant and construction insurers for you.
4
Get covered on site
Choose your policy and receive documents, including evidence of cover for hire firms.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Plant and machinery guides
Plant and machinery guides
Practical advice for contractors on cover, theft prevention and claims.
Practical advice for contractors on cover, theft prevention and claims.
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Do I Need Plant & Machinery Insurance? A Simple Guide for UK Contractors
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Plant and machinery insurance FAQs
Plant and machinery insurance FAQs
Straight answers on owned plant, hired-in plant, road use and cost.
Straight answers on owned plant, hired-in plant, road use and cost.
Plant and machinery insurance covers construction and industrial equipment against theft, accidental damage and loss, whether the plant is owned by you or hired in. It is separate from the motor insurance that covers plant driven on a public road.
Still not sure what cover you need?
Our plant specialists can match cover to the machines you own and hire.