Author Topic: What about insurance?  (Read 9208 times)

Buffy the eggs layer

  • Joined Jun 2010
Re: What about insurance?
« Reply #15 on: August 24, 2012, 08:12:04 pm »
I suppose at the end of the day we take out insurances for peace of mind and hope that we will never need to use them.
I am not in a position to buy in replacement sheep if all mine were stolen or to pay for damages if they caused an accident so its worth it to me.
If you feel that the risk is low and the impact would also be low then you probably dont need it.

SteveHants

  • Joined Aug 2011
Re: What about insurance?
« Reply #16 on: August 24, 2012, 08:38:41 pm »
Exactly - its mostly public liability i'm interested in. I dread to think what the costs woukd be if they got out on the road and caused an accident.

Small Farmer

  • Joined Jan 2012
  • Bedfordshire
Re: What about insurance?
« Reply #17 on: August 30, 2012, 09:20:53 am »
We are with NFU and pay £1200 a year.  We will be looking around next year for quotes though because NFU locally are not impressive.


We first used them through their call centre because their public liability limit is double most of the others.  As it got more complicated bits of the policy were transferred to the local office until finally we moved the whole lot last year.  It then transpired that the local office and the call centre weren't even slightly joined-up and it took a lot of phone calls to make it happen.  Annoyingly some of the machinery was double insured for nearly a year.


We had one claim, for water leakage after a burst underground pipe in December 2009.  That was a £1500 payout but took more than six months to settle.  There wasn't an argument about it, just inaction.
Being certain just means you haven't got all the facts

domsmith

  • Joined Aug 2012
  • sanquhar, dumfries and galloway
    • sunnyside farm
Re: What about insurance?
« Reply #18 on: August 31, 2012, 08:36:13 pm »
If its just for a few sheep, then i doubt i would bother.
your livestock insurance will give you some public liability and cover from death by straying or lightning, theft etc.

how much are your sheep worth?

as for causing an accident, you arent resposible if the accident is caused by a straying sheep. as long as you have taken reasonable stpes to stop them escaping. the animal has its own mind and if it chooses to escape how can you be responsible for it. if on the other hand you have no fences or dont maintain them it might be a different matter.
if you have taken reasonable steps to secure your sheep and one was run over after escaping as i understand it you would be entitled to claim against the motorist! not the other way around.

we have insurance but my beasts have quite a value and cattle i think have a possibility of doing someone some damage.

dominic

 

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