Insurance of tractors and agricultural machinery

Insurance of tractors and agricultural machinery provides security and protection for both machine owners and other road users. DDOR osiguranje offers you compulsory MTPL insurance to comply with the law, as well as casco insurance to cover the costs of damage to your machinery.

We also offer the option of additional accident insurance to cover all possible situations and needs of farmers and other users of these specialized vehicles.

MTPL insurance for tractors and agricultural machinery is essential not only for your safety, but also for compliance with the law. Although tractors and machinery do not require annual registration, their MTPL insurance policy must be renewed every year. This type of insurance provides financial protection in cases where damage is caused to third parties through the use of your machinery.

The exact amount of the premium for MTPL insurance is determined on the basis of the engine power in kW. For example, for a tractor with 33-44 kW, the MTPL insurance premium is 3,283 dinars. DDOR osiguranje covers all costs incurred in such situations, ensuring maximum coverage with minimum concerns.

Insurance is a crucial factor in protecting your agricultural vehicles and machinery against unforeseen events. Whether it’s damage to property, natural disasters or accidents, we offer flexible insurance options tailored to your needs. When you insure your machinery, you can work with peace of mind, knowing that both your machinery and your safety are always protected.  

Casco insurance of tractors

Casco insurance provides full financial protection for your agricultural machinery and vehicles in almost all situations, including:

• traffic accidents (collision, impact, skidding, overturning, etc.), regardless of whether the insured was at fault or not;  
• fall or impact of an object;
• fire;
• explosion;
• sudden external thermal or chemical effects;
• thunderbolt;
• windstorm;
• hail;
• snow avalanches;
• fall of an aircraft;
• manifestations and demonstrations, and acts of vandalism by third parties.  

You can also take out insurance that covers additional risks, such as theft and embezzlement of the vehicle or its components. Insurance of tractors and work machinery against breakdown offers special protection for agricultural machinery and work vehicles, and covers breakdown of the entire vehicle or just the work equipment. This insurance protects you against a range of risks associated with the vehicle’s function as a work machine.

The insurance does not cover losses caused by:

• earthquake;
• nuclear risks;
• war;
• operational damage (mechanical failure);
• damage intentionally caused by the insured or coinsured person.

Accident insurance

You can also insure the operators of tractors, combine harvesters and other self-propelled machines against accidents. This policy covers accidents that occur while operating the tractor, loading and unloading goods or working with attached machinery.

The insurance price depends on the stipulated sums insured. For example, annual premium for the combination of 500,000 dinars in the event of death and 1,000,000 dinars in the event of dismemberment is only 600 dinars per person. In the event of an accident, depending on the extent of the consequences, a proportional amount of the sum insured is paid for dismemberment in accordance with DDOR’s table, while the entire sum insured is paid in the event of death.