If you are lucky enough to have a big garden to warrant ride on lawnmowers, then insurance for your expensive machinery is a consideration. Cover can be given under the contents section of the policy, up to the current new replacement cost, so its important to make sure your sums insured are sufficient. The lawnmower would then be specified under the contents section in the schedule.

We only offer cover for a lawnmower if contents insurance is purchased from us.

EMHMIS08 Ride-On Gardening Vehicles/Mowers Clause
We will not pay for loss or damage to any ride-on gardening vehicles/mowers unless:
It is solely used as a gardening implement;
It is not licensed for road use and does not require a Certificate of Insurance; and
It is immobilised when not in use and stored in a secure locked building, with the keys being removed and kept in a secure place away from the vehicle/mower.
Cover excludes theft or attempted theft where the keys or other device which enables the mower to be started are left in or on the mower whilst it is unattended. Other conditions are as follows:-

1. Cover is excluded for loss or damage to tyres, lamps, accessories is excluded unless the mower is stolen or damaged at the same time.
2. Cover is excluded for damage from mechanical or electrical faults or breakdown.
3. Cover is excluded for loss or damage while the mower is used for racing or pacemaking or is let out on hire or is used other than for private purposes.
4. Cover includes public liability but excluding Road Traffic Act Liability.
5. Loss or damage while the lawnmower is used for racing or pace-making or is let out on hire or is used other than for private purposes.