hi, maybe you have tried them? but Adrian flux is good with 4x4's, but as for the farm insurance, we have always used the NFU, i will say 95% of the time have been great but they do like to try and get out of a few if they can and leave you battling with them, but name one company that doesn't, we have 5 4x4's with them 3 tractors and 3 quads + various machinery etc. might not be the cheapest but you can normally dial their number and talk to someone rather than having to press, 1 then 4, then 8, and listen to dia music for 2 hours.