Author Topic: Insurence (Read 3318 times)

Backinwellies · « **on:** October 06, 2012, 04:51:20 pm »

With move to smallholding pending my thoughts have gone to insurence ..... what insurence will I need and any recommendations of where to get it?

Linda

Small Farmer · « **Reply #1 on:** October 06, 2012, 11:49:50 pm »

The big one is public liability. If your animals escape and cause a road accident with a coach load of nuns and mothers-in-law then the costs come down to you. Employee liability is less of a problem usually for smallholders except when they pay a friend to so something and he loses an arm in the baler.

Pretty much everything else is normal replacement for stuff nicked. You should be able to download a policy from the NFU Mutual which will give you pointers. I use NFU but I'm not a big fan and will be getting quotes at renewal time.

lachlanandmarcus · « **Reply #2 on:** October 07, 2012, 08:19:43 am »

Farmers and Mercantile have been taking a lot of business off NFU in recent years, and have (to date) good feedback on the farming forums re paying out (of course that can all change but thats the feedback to date). Dont know if they do 3rd party as well as buildings/stock but worth checking
http://www.fandmgroup.co.uk/

HappyHippy · « **Reply #3 on:** October 07, 2012, 09:15:14 am »

NFU were really expensive compared to others when I rang round for quotes - and they'll only do a liability insurance if you have another policy with them, home, contents etc.

I ended up going with Cliverton

HTH
Karen

Possum · « **Reply #4 on:** October 07, 2012, 09:03:09 pm »

I have found NFU good value when you insure your house as well as your land/animals with them. It's also a pleasure doing business with them. More than I can say about most insurance companies.

Dan · « **Reply #5 on:** October 07, 2012, 10:07:49 pm »

Greenlands have recently launched a smallholder insurance service (and they support TAS) so might be worth a look:

https://www.greenlands.co.uk/smallholders/

Backinwellies · « **Reply #6 on:** October 08, 2012, 12:13:44 pm »

Thank you Dan will look into that.

Linda

anderso · « **Reply #7 on:** October 08, 2012, 03:11:10 pm »

STUART BENGER & COMPANY LTD on website www.STUARTBENGER.co.uk
has a good policy

The Smallholders Combined Policy includes

Farm Buildings, Shelters, Stables etc
Tools & Machinery
Produce & Deadstock – hay, straw, feeds etc
Boundary Walls & Hedges
Livestock
Public & Products Liability – for the premises and attendance at Shows & Farmers Markets

However, it cannot cover:

Riding Schools
Heated Poultry or Pig Buildings (Applies to intensive rearing units – heat lamps are acceptable)
Camping or Caravanning Facilities
Employees
Export Products
Provision of a Livery Service (Renting out stables for a DIY livery is acceptable)
Slurry storage facilities
Farm Visits
Organised shoots
Northern Ireland
Contracting