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Understand your farm insurance before you need to rely on it

Independent guides for UK farmers explaining what farm policies typically cover, where the gaps usually sit, and what to check before you sign anything.

Read the month-by-month guide to seasonal farm insurance risks Explore all farm insurance guides

What you'll find here

Every guide starts with a real farm risk, a fire, a flood, a machinery breakdown, and works through to the insurance term that governs whether you get paid.

Farm buildings, explained before the jargon

We start with the scenario, a fire in the grain store or a roof gone in a gale, and only then get to the insurance term that matters: whether your payout covers rebuilding at today's cost or just what the building was worth when you first insured it. Read the full guide on farm buildings insurance for what to check in the policy document.

Livestock mortality and disease cover

A dead cow from a listed disease should trigger a payout, but 'listed' is doing real work in that sentence. Our livestock insurance guide walks through mortality cover, theft, and disease exclusions so you know what your policy actually promises before you need it to.

Machinery cover and declared values

A combine that goes up in flames mid-harvest is a different problem depending on whether your declared value reflects what it would cost to replace it now. The machinery insurance guide sets out how all-risks cover works and where wear-and-tear exclusions tend to cause arguments with a loss adjuster.

Liability cover for people on your land

Public liability and employers' liability answer two different questions: who's responsible if a visitor gets hurt on a footpath, and what you're legally required to hold if anyone, including casual seasonal workers, sets foot on your farm to work. Both guides explain what's typically included and what usually isn't.

What to do when a claim goes wrong

Not every claim is settled fairly first time. Our claims guidance covers what to check in a rejection letter, how the Financial Ombudsman Service works, and when a complaint is worth pursuing.

A glossary that speaks farming, not finance

Sum insured, indemnity, index-linking: terms that mean nothing until the day you need them to mean something specific. The glossary defines each one against a real farming example, so you can look a term up mid-conversation with a broker.

A directory of UK health insurers

This is a plain list of regulated health insurers operating in the UK, for farmers and farm workers to look into on their own account. It does not recommend, compare, or arrange cover with any of them, so use it as a starting point for your own research rather than as advice.

National Friendly National Deposit Friendly Society

National Friendly (trading name of National Deposit Friendly Society) is a Bristol-based mutual insurer established in 1868, offering private medical insurance to individuals.

  • cover_types inpatient, outpatient, cancer, mental health (outpatient sessions only, no inpatient mental health cover) source
  • established_year 1868 source

Freedom Health Insurance

Freedom Health Insurance is an independent UK family-run private health insurer established in 2003, notable for not using postcode-based pricing.

  • cover_types inpatient, outpatient, mental health (inpatient psychiatric cover as optional add-on), cancer source
  • established_year 2003 source

The Exeter

The Exeter is a UK mutual society founded in 1927 offering private health insurance, life insurance and income protection, owned by its members rather than shareholders.

  • cover_types inpatient, outpatient (including diagnostics), mental health (via HealthWise app), therapies source
  • established_year 1927 source

WPA

WPA is a non-profit UK health insurer founded in 1901, offering health insurance as its sole product through its Complete Health plan with modular cover options.

  • cover_types inpatient, outpatient (consultations, diagnostics, therapies, mental health as separate optional extras) source
  • established_year 1901 source

Vitality Health Discovery Group

VitalityHealth is a UK private health insurer that rewards members for healthy living with discounts and benefits, originally rebranded from Prudential's UK operations by Discovery Holdings in 2014.

  • cover_types inpatient, outpatient, mental health therapies (as standard), cancer treatment source
  • established_year 2004 source

Aviva Healthcare Aviva

  • established_year 1990 source

AXA Health AXA Group

AXA Health is part of the AXA group and offers private health insurance in the UK through its modular Health Plan product.

  • cover_types cancer care, inpatient and day-patient, outpatient, mental health (as separate building blocks) source
  • established_year 1938 source

Bupa

Bupa is a leading UK private health insurer with no shareholders, offering health insurance through an extensive network of hospitals, clinics, dental centres and care homes.

  • cover_types inpatient, outpatient, mental health (inpatient and outpatient as standard), dental allowance source
  • established_year 1947 source

Drewberry

Drewberry is an FCA-authorised independent insurance broker specialising in private health insurance and personal protection products in the UK.

  • regulator_status Authorised and regulated by the Financial Conduct Authority source

General & Medical Healthcare

General & Medical Healthcare is a UK private health insurer offering its Elite personal healthcare plan with unique benefits including private childbirth cover and pre-existing condition options.

  • cover_types inpatient, outpatient, mental health (with deferment period), cancer, dental helpline source

Saga Health Insurance Bupa

Saga Health Insurance offers private medical insurance exclusively to the over-50s in the UK, with policies underwritten by Bupa.

  • cover_types inpatient, outpatient, mental health (as standard), cancer; available to over-50s only source
  • underwriter Bupa source

General & Medical

General & Medical is a UK private health insurer offering its Elite personal healthcare plan with unique benefits including private childbirth cover and pre-existing condition options.

  • cover_types inpatient, outpatient, mental health (with six-month deferment period), cancer; dental and optical not mentioned as available source

Guides added and updated as the farming year turns

New and revised reading on cover for buildings, machinery, livestock and the seasonal risks that come with each month on the farm.

Understand your cover before you need to claim on it

Whatever the risk on your farm, from a flooded field to a barn fire, there is a guide here that explains what a policy typically covers and what it usually leaves out.

Explore the full library of farm insurance guides Read our guide on how to find a regulated farm insurance broker