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Digger Insurance

JCBs and diggers make light work of shifting rocks and soil, whether you're landscaping or digging the foundations on a building site. But all this hard work can come at a price. Diggers are not only expensive to repair or replace, but they can also cause costly damage. Whether you own or hire a JCB, digger insurance can protect your finances if something goes wrong.

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What is digger insurance?

Digger or JCB insurance is designed to protect this valuable heavy machinery in case of theft, loss, or accidental damage. Your policy can also be tailored to best reflect the risks associated with your digger work, for example, by including public liability cover.

Who could benefit from excavator insurance?

It’s not just businesses and individuals who own a digger that could benefit from taking out excavator insurance. Did you know that when you hire a digger, you may be held financially liable if any incidents occur when this heavy plant is in your care?

Building contractors who own a digger can protect their investment and ensure their site work doesn’t grind to a halt by taking out JCB insurance. If you’re hiring a mini digger to landscape your own garden, taking out mini digger insurance will safeguard your finances if something happens to the machinery.

You can take out digger insurance for:

  • Heavy-duty excavators
  • JCBs and other full-size diggers
  • Mini and micro-diggers
  • A range of related plant, such as bulldozers and cherry pickers

What is and isn’t covered?

As standard, whether you own or have hired an excavator, digger insurance will provide cover for theft, loss, and accidental damage. You can also commonly add other useful cover, including:

  • Public liability – to protect you should your digger cause personal injury or property damage to a third party, such as an accidental impact, scratching a car, or knocking down a fence or wall.
  • Road risks cover – which you must hold if you intend to drive a digger on public roads.
  • Malicious damage – to deal with the likes of vandalism (which isn’t always covered as standard).
  • Cover while in transit – for any damage incurred when the digger is being transported on a trailer from location to location.
  • Continuing hire charges – if you hired plant and it became damaged in your care, you may still be liable to pay ongoing hire charges until it's fixed. This cover protects you against such escalating costs.
    • It’s important to note that you won’t be covered for theft that occurs when a digger is left unlocked or with the key in the ignition. If you store your digger off-site, you may need to take out bespoke cover for this.

FAQs

How much is digger insurance?

This will be calculated according to the value of the digger you own or are hiring, the size and type of job you’re using it for, your location, and the different types of cover included.

Is it mandatory?

This specialist insurance isn't mandatory if you don't intend to drive a digger on public roads. However, ask yourself whether you could personally shoulder the costs should any issues arise when using or storing a digger.

Can I insure multiple diggers?

A multi-digger policy is a great way to streamline your insurance paperwork and make savings on the cost of your premium.

If you’re about to break ground, protect your JCB with Park Insurance. We tailor our heavy plant insurance policies to meet your unique needs, so whether you’re a large builder's firm or a keen gardener, we can keep your finances safe while you excavate.

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Give us a call on 0117 955 6835 or click on the button below and we will be happy to contact you to discuss your needs.

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Park Insurance Services Ltd
323 Church Road
St George
Bristol
BS5 8AA

Tel: 0117 955 6835

Email: info@parkinsurance.co.uk

Park Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under FRN 998383. You may check this on the Financial Services Register by visiting the FCA website. Park Insurance Services Limited is registered in England and Wales (company number 13091532). Registered address: 323 Church Road, St. George, Bristol, England, BS5 8AA.