The Accidental Smallholder Forum
Smallholding => Land Management => Topic started by: Kiran on December 30, 2024, 09:38:09 am
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It's that time of year again, after some very expensive months, it's time to insure the farm again. Any recommendations of who to try and/or tips on keeping the policy price down? I've never claimed on a homebor farm insurance policy in my life so some of the prices I get each year are painful!
All advice appreciated
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Well when you do need to claim it can make quite a difference .... NFU might be expensive but dont quibble a claim.... we lost 2 hen houses 8 yrs ago ... straight payout without question, 6 yrs ago I lost my diamond out of my engagement ring .... again just 2 quotes and straight payout.
We had started to question cost in last 2 years , and did get £200 taken off last year by questioning amount.......but .. our barn room just took off in last storm ..... loss adjuster came out just before Christmas and we are expecting them to payout the full amount when we get cost from our builder.
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I agree with the last post
One reason NFU aren't the cheapest is that they settle and quickly
I had a stock trailer stolen a few years ago I thought it was insured but I was wrong. After discussion with NFU, I found out that had my tractor been insured with NFU, every trailer and implement would also be insured, whether attached or not, whether on my holding, or not
Needless to say I have changed my tractor insurance (£15 more expensive !)
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I tried NFU, last year I rang them with 2 weeks until my renewal and they said it wouldn't be worth them quoting as they weren't competitive at the moment. This year they did quote for me but they were £1800 for basic insurance with no farming activities etc. To be fair the lady who quoted did say that their small holder policies were very expensive at the moment. In the end I had a recommendation to go with the Welsh Farmining Union insurance, they came in at £700 odd, still expensive but much more palatable.
Thanks for your input, I will give NFU a chance to quote again next year and see if their policies have come down at all