NFU Mutual Smallholding Insurance

Author Topic: new to site and land  (Read 5134 times)

rockstar

  • Joined Jan 2012
  • powys
new to site and land
« on: January 30, 2012, 08:11:55 pm »
hi to you all from snowy powys.i need some advice on liability insurance to cover 1.5 acres of land i purchased next to my house.theres no buildings on it ,and no machinery .all i want to do is keep afew sheep chickens and pigs will my house insurance cover this ?
Voss Electric Fence

Mad Goatwoman of Madeley

  • Joined Sep 2011
  • Telford
Re: new to site and land
« Reply #1 on: January 30, 2012, 11:51:29 pm »
 :wave:  I know nothing about insurance but wanted to say hi and welcome from frosty Shropshire.

Sylvia

  • Joined Aug 2009
Re: new to site and land
« Reply #2 on: January 31, 2012, 07:19:02 am »
If it's to insure the animals, probably not. Don't the N.F.U. have an insurance company. Good luck with your venture :wave:

Dan

  • The Accidental Smallholder
  • Administrator
  • Joined Oct 2007
  • Carnoustie, Angus
    • The Accidental Smallholder
    • Facebook
Re: new to site and land
« Reply #3 on: January 31, 2012, 07:31:55 am »
Hello rockstar. As Sylvia says, the NFU have a good insurance arm (we use them now) so give them a call and ask.

There are a few branches in Powys - http://www.nfumutual.co.uk/local-branch-search-results.htm?postcode=powys

MAK

  • Joined Nov 2011
  • Middle ish of France
    • Cadeaux de La forge
Re: new to site and land
« Reply #4 on: January 31, 2012, 08:36:49 am »
Welcome and hope the snow is not too bad there. I don't have any insurance - shame as I would like to have claimed for the ducks the fox took last week.
Hope that all goes well for you with the sheep and pigs.
www.cadeauxdelaforge.fr
Gifts and crafts made by us.

Rosemary

  • Joined Oct 2007
  • Barry, Angus, Scotland
    • The Accidental Smallholder
Re: new to site and land
« Reply #5 on: January 31, 2012, 09:05:53 am »
Hello and welcome from cold and grey Carnoustie  :wave:


rockstar

  • Joined Jan 2012
  • powys
Re: new to site and land
« Reply #6 on: January 31, 2012, 07:26:26 pm »
thanks for the welcome looks like i need nfu

lachlanandmarcus

  • Joined Aug 2010
  • Aberdeenshire
Re: new to site and land
« Reply #7 on: January 31, 2012, 07:43:10 pm »
If they are not helpful/too expensive then on the farming forums F&M (Farmers and Mercantile) have been used as an alternative a lot recently. Might be worth a look (I dont work for them or have a policy with them so not touting!). Dont know if they would do standalone liability on bare land.

http://www.fandmgroup.co.uk/

NFU feedback recently that I have read is that they have in some cases only wanted to do liability on land/farm stuff if they also did the house. but then werent competitive at all on the house premium. But some others seem to have standalone farm stuff and not have had any issues.

So both worth trying to compare

rockstar

  • Joined Jan 2012
  • powys
Re: new to site and land
« Reply #8 on: January 31, 2012, 09:13:11 pm »
thanks ::)

melodrama

  • Joined Jun 2011
  • Forfar
Re: new to site and land
« Reply #9 on: January 31, 2012, 10:20:33 pm »
Don't know about the insurance but hello from Forfar  :wave:

Possum

  • Joined Feb 2012
  • Somerset
Re: new to site and land
« Reply #10 on: February 10, 2012, 12:04:01 pm »
I'm a bit worried now. I didn't realise that you needed liability insurance for land and livestock unless it was to be used by the public. What are the risks of not having insurance?

TheBurkers

  • Joined Sep 2011
Re: new to site and land
« Reply #11 on: February 10, 2012, 08:00:30 pm »
Totally different situation as we have a separate building plot that's lying empty and I pay to insure it annually. If someone is injured on the land potentially they could sue me.

rockstar

  • Joined Jan 2012
  • powys
Re: new to site and land
« Reply #12 on: February 10, 2012, 08:15:09 pm »
hi possum, i think to have public liability is peace of mind. my 1.75 acres has no buildings or machinery but the field is next to main road, insurance covers animals getting out onto road, moving animals on road and maybe one of my animals harming my childs friends

Mel

  • Guest
Re: new to site and land
« Reply #13 on: February 11, 2012, 10:14:31 am »
Hello! We wish you good luck and a big welcome from Northants! :wave: :wave:

Possum

  • Joined Feb 2012
  • Somerset
Re: new to site and land
« Reply #14 on: February 11, 2012, 12:32:46 pm »
Thanks Rockstar.

I hadn't thought about having to compensate someone if the animals escape. It certainly sounds sensible to take out the insurance. I'll be ringing the NFU ASAP!

 

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