Hired-In Plant & Equipment / Rented Machinery Insurance

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Protect your business against the cost of damage, theft, or loss of plant and machinery you have hired or rented for construction projects. Essential cover for contractors of every size.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading UK construction insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

HIRED-IN PLANT & MACHINERY INSURANCE

  • THEFT & DAMAGE COVER

  • HIRERS’ LIABILITY PROTECTION

  • PLANT & MACHINERY REPLACEMENT

  • REPAIR & HIRE COSTS COVERED

Protect Against Costly Hire Charges and Damage Liabilities

Most hire agreements make you fully responsible for the plant while in your possession. Hired-in Plant Insurance protects you against unexpected losses, repair costs, and ongoing hire charges following damage or theft.

What Does Hired-In Plant Insurance Cover?

Essential cover to protect contractors from the financial risk of rented machinery.


  • Theft of hired plant or machinery
  • Accidental damage to equipment
  • Damage while in transit or on-site
  • Repair costs after an incident
  • Loss or damage from fire, flood, storm

  • Ongoing hire charges after damage
  • Replacement costs for total loss
  • Cover for short-term or long-term hire
  • Optional breakdown extensions
  • Wide cover accepted by major hire firms

Who Needs Hired-In Plant & Machinery Insurance?

Any contractor renting tools, machines, or heavy equipment is responsible for their safety.


  • Groundworkers & Civil Engineers
  • Builders & Construction Contractors
  • Roofing & Scaffolding Firms
  • Landscapers & Fencing Contractors
  • Plant Operators & Machinery Hirers

  • Demolition & Excavation Contractors
  • Paving & Surfacing Contractors
  • Fit-out & Refurbishment Teams
  • Self-employed trades hiring machinery
  • Contractors working to tight deadlines

Why Contractors Choose Insure24


  • Flexible limits to meet hire contract requirements
  • Short-term & long-term hire cover available
  • Accepted by major plant hire companies
  • Competitive premiums for all contractor types
  • Fast documentation for site sign-in and hire agreements

  • Cover for small tools & large plant equipment
  • Optional cover for continuing hire charges
  • Specialist support from construction insurance experts
  • Add-ons available for breakdown & increased limits
  • UK-wide cover for contractors & trades

FREQUENTLY ASKED QUESTIONS

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Do I really need Hired-In Plant Insurance?

Yes. Most hire companies make you fully responsible for any loss, damage or theft to the machinery while in your possession.

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What counts as “plant” or “machinery”?

Plant includes excavators, diggers, dumpers, rollers, telehandlers, access platforms, generators, towers, small tools and other machinery.

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Does the policy cover continuing hire charges?

Yes, most hired-in plant policies include cover for ongoing hire charges if the machinery cannot be returned due to loss or damage.

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Is this different from Owned Plant insurance?

Yes - Owned Plant covers machinery you own, while Hired-In Plant covers equipment you rent from a hire company.

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Can this be added to a Contractors' All Risks policy?

Yes. Most Contractors’ All Risks (CAR) policies allow Hired-In Plant extensions with flexible limits.

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