Leisure & Recreation Insurance

Motor insurance for rural businesses with a menagerie of different vehicles.

Our policies are available exclusively through UK brokers

Relax, we’ve got this covered

Designed for hotels, holiday parks, garden centres, racecourses, sporting clubs, zoos and safari parks that need cover for their workday vehicles.

Agricultural machinery, trucks, vans, carts and cars can all be covered on one policy. With our flexible approach to underwriting, this really is our field of expertise.

Features

Single policy designed to include all agricultural and associated vehicles/businesses

Personal belongings cover on all vehicles (up to £500)

New vehicle replacement cover for private cars and commercial vehicles up to 3.5 tonnes

£20m Third Party Property Damage limit for all vehicles

Can include family members (even if living in other parts of the country)

Up to £500,000 agriculture trailer cover

Dedicated specialist agriculture underwriters

Dedicated specialist agriculture claims team

Our Leisure & Recreation appetite

Vehicle

Single vehicle tractor risks to large vehicle Agricultural fleets - with no accumulation upper limit

A combination of all vehicle types (with at least one agricultural/special type vehicle) including Heavy Goods Vehicles

Client profile

All drivers experience and history considered

Situation

Rurally based businesses such as garden centres, hotel grounds, golf clubs, sporting grounds, safaris and zoos

Our dedicated Agriculture Claims service

Our claims and breakdown services are as custom-built as our cover. You and your clients can expect an efficient, knowledgeable service at every stage. Our specialist claims and engineering team are here to support you throughout every step of your agriculture motor claims journey so we can get you back up and running as soon as possible.

Call: 0344 561 0838

Make a claim

For ERS Policyholders
call 0344 561 0838

or email agriculturefnol@ers.com

Read our guide on how to make an Agriculture claim

Windscreen repairs

Call us on

0345 602 3378
from the UK or EU

Or you can book online (excluding coach, bus, minibus & motorhome)

Book online

Report a breakdown

Call our Rescue Team on
0800 243 783

or 01277 720 718 (UK) or +44 1277 235 999 (Europe).

If you are deaf, hard of hearing or speech impaired and require assistance, you can text your full name and registration number to +44 (0) 7537 404890.

Find out more about Motor Breakdown

Documents

Leisure & Recreation documents

Find policy documents and other useful paperwork here

Document type

Policy documents

Policies incepted from 1 May 2025

ERS Farmers Policy Wording ACFE 0325

Policies incepted from 1 November 2022

ERS Leisure Recreation Policy Wording ACRL 1122

Policies incepted from 1 December 2021

ERS Leisure Recreation Policy Wording ACRL 1221

ERS Farmers Plan IPID TPO 0325 ERS Farmers Plan IPID TPFT 0325 ERS Farmers Plan IPID FT 0325 ERS Farmers Plan IPID COMP 0325 ERS Farmers Plan IPID ADTP 0325 ERS Leisure Recreation IPID ADTP 1122 ERS Leisure Recreation IPID ADFT 1122 ERS Leisure Recreation IPID TPO 1122 ERS Leisure Recreation IPID TPFT 1122 ERS Leisure Recreation IPID FT 1122 ERS Leisure Recreation IPID COMP 1122 ERS Leisure Recreation IPID ADTP 1221 ERS Leisure Recreation IPID ADFT 1221 ERS Leisure Recreation IPID TPO 1221 ERS Leisure Recreation IPID COMP 1221 ERS Leisure Recreation IPID TPFT 1221 ERS Leisure Recreation IPID FT 1221

ERS Product Value Form Farmers Plan 2024 ERS Product Value Form Farmers Plan 2022