Plant & Equipment Insurance.
When a machine is stolen or damaged, you cop the repair bill and the downtime. The right policy hands both to the insurer. We compare 90+ to find it - and tell you which extras you don't need.
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About This Cover
Plant & equipment insurance - what it covers and why it matters
Plant and equipment insurance covers the machinery, tools and gear your business needs to earn. If it's damaged, stolen or destroyed, the insurer funds the repair or replacement instead of you.
The real question is what your policy excludes. Age limits, dry hire, gear working underground - the fine print is where claims die. We read it before you sign, and if a cheaper policy covers you just as well, we'll say so.
What's Included
What's covered - standard inclusions for plant & equipment policies
Accidental Damage
Broken on site, in transit or in storage - the policy funds repair or replacement.
Malicious Damage
Someone deliberately damages your gear? The insurer pays, not you.
External Impacts
Storm, hail, flood, falling objects - the cost of putting it right is covered.
Fire & Theft
A fire or a machine that vanishes overnight doesn't come out of your pocket.
Who Needs This
Who needs plant & equipment insurance
Construction Companies
Tools, plant and cranes - owned or hired. Sites carry constant risk of theft, damage and breakdown.
Manufacturers
When a production line stops, output and revenue stop with it.
Farmers & Agribusiness
Tractors, harvesters and irrigation systems - serious money sitting out in the weather.
Transport & Logistics
Cranes, forklifts and loading gear that can't sit idle while a claim drags on.
Events & AV Crews
Stage, lighting, generators and AV gear on hire - high value, always moving, easy to lose.
Why Co-Pilot
Why Co-Pilot for plant & equipment insurance
We work for you, not the insurer
We're independent. The policy we recommend is the one that covers your gear properly, not the one that pays the best commission.
90+ insurers, including the specialists
Construction, agriculture, events, heavy industry - including cover for hired and leased equipment most policies skip.
We read the exclusions before you sign
Plant policies are full of fine print that only surfaces at claim time. We tell you what's not covered up front.
We argue your claim, not just place your policy
When gear breaks or goes missing, we deal with the insurer and push the claim through while you keep working.
Hear What Our Clients Are Saying
“I had a great experience working with Sarah for my business loan. From the very beginning, the entire process was handled smoothly and professionally. She was extremely responsive, explained everything clearly, and made what could have been a complicated process feel straightforward and stress-free. The approval was handled efficiently, and I really appreciated the constant communication and support throughout. What stood out the most was her ability to understand my situation and find the right solution without unnecessary delays or complications. Highly recommend Sarah to anyone looking for reliable and efficient finance assistance. I’ll definitely be working with her again in the future.”
Sohil M
FAQ
Common Questions About Plant & Equipment Insurance
Equipment uninsured or under-covered? Let's get it right.
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