Farm Insurance

sako 85

Does any get their farm insurance from a company other than FBD and if so what are their experiences. I'm thinking of shopping around.

lakill Farm

have a few clients with acorn insurance in Galway. Although they are only brokers

I think avivia and Zurich insurance offer farm policies.

One client to note moved from FBD to Acorn and saved 20/25% and got extra cover. That was in April/May 2013 and he stayed with them on renewal this year also.

**** No way am i associated with any of the above companies or have I am commercial relationship with them****

I actually use FBD myself. MY jeep insurance was €560 and renewal next week and I asked why it was so high and they attached it someway to the farm policy and bang €470. 4years they have been over charging the feckers :rolleyes:

farmersfriend

With aviation several years now, competitive. Fbd were way out when we last compared

farmersfriend

With aviva several years now, competitive. Fbd were way out when we last compared

sako 85

Great thanks, i'll try all of those.

whelan2

just be careful just because a quote is cheaper doesnt mean you have the same cover

nashmach

farmersfriend wrote: »

With aviva several years now, competitive. Fbd were way out when we last compared

Ditto - no harm to sit down and compare like for like though and get them to quote one another.

lakill Farm

whelan2 wrote: »

just be careful just because a quote is cheaper doesnt mean you have the same cover

totally agree but some look for your old policy and do a quote based on it.

I know i have items named on my policy than would be unusual, and the portocabin has me caght as very few will quote for it. I also have tools covered and larger items like hotwash etc.

Farrell

lakill Farm wrote: »

have a few clients with acorn insurance in Galway. Although they are only brokers

I think avivia and Zurich insurance offer farm policies.

One client to note moved from FBD to Acorn and saved 20/25% and got extra cover. That was in April/May 2013 and he stayed with them on renewal this year also.

**** No way am i associated with any of the above companies or have I am commercial relationship with them****

I actually use FBD myself. MY jeep insurance was €560 and renewal next week and I asked why it was so high and they attached it someway to the farm policy and bang €470. 4years they have been over charging the feckers :rolleyes:

That's a good point, I was told I couldn't do it, have jeep, farm, tractor & Quad on separate insurance. Even Cattle trailer has to be on jeep insurance rather than farm (or all together)

td5man

Switched from fbd to aviva and had more cover for 1500 less.
Broker has us with Zurich this year, cheaper than aviva.

5live

sako 85 wrote: »

Does any get their farm insurance from a company other than FBD and if so what are their experiences. I'm thinking of shopping around.

From experience, make sure your farm buildings are quoted at the proper price for storm damage.

Iirc, non-slatted cattle housing should be valued greater than E150/square meter(E10/m squared foot) and slatted housing greater than E220/ square meter(E13.90/ squared foot).

Its not just the roof you are insuring, its the complete building to be rebuilt from scratch and also the cost of removing and disposal of the old building.

Anything other than that and you are under-insuring your buildings.

Green farmer

I renewed with fbd, but was talking to a guy afterwards who worked for either Zurich or Allianz. Which ever one started doing farm insurance in the last year. Says their doing deals. so there's definitely 3 players in the market. I'm sure he told me that they don't charge extra for livestock cover as I pay fbd extra for sheep worrying. So that's something else to think about.

paddysdream

Only insured once with FBD and found that after the initial year they were way out with their quotes.
Aviva for many years here and had no complaints even with a few claims.
Switched to Zurich this year as they were better on price for the same cover.
Will price all 3 in the Autumn(are Quinns still at it?) and see .
Someone mentioned jeep tractor etc.Never had jeep or trailers insured on the farm policy as found it much cheaper to insure elsewhere.Always had dwelling houses and farm machinery inc. tractors on the farm policy though

paddysdream

Green farmer wrote: »

I renewed with fbd, but was talking to a guy afterwards who worked for either Zurich or Allianz. Which ever one started doing farm insurance in the last year. Says their doing deals. so there's definitely 3 players in the market. I'm sure he told me that they don't charge extra for livestock cover as I pay fbd extra for sheep worrying. So that's something else to think about.

How much roughly is sheep worrying cover costing you?
Priced it a few times and was quoted outrageous money.Think it was based on the value of the entire flock.

Green farmer

paddysdream wrote: »

How much roughly is sheep worrying cover costing you?
Priced it a few times and was quoted outrageous money.Think it was based on the value of the entire flock.

I cannt remember exactly, but I think it was between 50 -100 euro extra to increase the worrying by €5,000

Username John

paddysdream wrote: »

How much roughly is sheep worrying cover costing you?
Priced it a few times and was quoted outrageous money.Think it was based on the value of the entire flock.

Green farmer wrote: »

I cannt remember exactly, but I think it was between 50 -100 euro extra to increase the worrying by €5,000

Had it for a few years - and actually made a claim on it for a few ewes one of the years. :mad:
But like you said Paddy - it was outrageous expensive, so I cancelled it last year or maybe the year before.

Green farmer

I'm going to give Zurich a buzz next year at renewal. If they give me sheep worrying included at no extra cost, it'll make leaving or staying with fbd a easy decision. 100% of my farm is based around sheep.

td5man

Anyone insuring a mower?
What would it cover you against.

lakill Farm

td5man wrote: »

Anyone insuring a mower?
What would it cover you against.

Have a client with the 2 balers insured and 2 years ago the insurance company coughted €10k and 2 weeks later a further €8k after they picked up 2 big stones in the swart and busted the pick up reels and bearings. Client was out the VAT element only which they got to claim on next vat return

jt65

I went to aviva a few years through a broker, when the policy document arrived it was not the schedule I had agreed to

most important it had no employee liability & their forestry cover was nothing short of a farce , among others , don't know if the broker or insurance co were to blame but in any event I demanded and got a full refund.

remember some one on here last feb after the storm & unknowingly to him, he had no storm cover on his shed that blew down

whatever co. you are with make sure you have adequate cover

frazzledhome

lakill Farm wrote: »

Have a client with the 2 balers insured and 2 years ago the insurance company coughted €10k and 2 weeks later a further €8k after they picked up 2 big stones in the swart and busted the pick up reels and bearings. Client was out the VAT element only which they got to claim on next vat return

Did they pick up the stones in their own field or working for someone else?

frazzledhome

td5man wrote: »

Anyone insuring a mower?
What would it cover you against.

Yes fully comp. doesn't cover wear

Greengrass1

Everything here with fbd. Accountant said ours was a lot compared to others.

john8984

I was with FBD fro many years but when I shopped around for better quotes Aviva came up with far better price for same level of cover, now with Aviva for three years.

Justjens

Have been with Aviva for over 10 years, after being with FBD, had FBD out again recently to quote like for like with Aviva, and they are still a mile off.
Tractors are €30 to €40 cheaper, employers liability goes up in stages of salary paid to employee, so works out very reasonable for casual workers. And all building cover was far less for the same level of cover.
The only area FBD was cheaper was in public lia. as they go up in stages of acreage, so it's far more competitive for the smaller holdings.
And they all cover you for a Revenue audit, not the tax but the accountants fees:)

jt65

Justjens wrote: »

Have been with Aviva for over 10 years, after being with FBD, had FBD out again recently to quote like for like with Aviva, and they are still a mile off.
Tractors are €30 to €40 cheaper, employers liability goes up in stages of salary paid to employee, so works out very reasonable for casual workers. And all building cover was far less for the same level of cover.
The only area FBD was cheaper was in public lia. as they go up in stages of acreage, so it's far more competitive for the smaller holdings.
And they all cover you for a Revenue audit, not the tax but the accountants fees:)

employer's liability needs to cover a lot more than paid employees, that where a lot of folk miss out

I have posted many times in the past under this username and my previous one warning people of such & TBH I'm not bothered to do so any more

milkprofit

jt65 wrote: »

employer's liability needs to cover a lot more than paid employees, that where a lot of folk miss out

I have posted many times in the past under this username and my previous one warning people of such & TBH I'm not bothered to do so any more

7]employer's liability needs to cover a lot more than paid employees, that where a lot of folk miss out

Please explain

Green farmer

A lot of the time help around the farm isn't paid employees , but family members, so make sure their covered. The other thing to look out for is to make sure your covered yourself in case your the one that has an accident. To be honest I don't know which insurer scores best with this type of cover

lakill Farm

frazzledhome wrote: »

Did they pick up the stones in their own field or working for someone else?

both time in other places.

both times the farmers insurance would cover but claimed against their own

Farmer Pudsey

Been with Aviva about 5-6 years previously with FBD. Aviva beating them but about 200 this year but was as high as 350 one year. Tractor with them about 80HP 4WD Ford 6610 value 12K I think it is about 200 euro comprehenive.

moy83

lakill Farm wrote: »

both time in other places.

both times the farmers insurance would cover but claimed against their own

Why did they claim against their own if the farmer had it ? Would their insurers not pass it on to the farmers anyhow ?

frazzledhome

lakill Farm wrote: »

both time in other places.

both times the farmers insurance would cover but claimed against their own

I find that hard to understand

lakill Farm

frazzledhome wrote: »

I find that hard to understand

why would you risk loosing a client over it?

and also the client is probably not vat registered so try asking them for 2/3k they cant claim back

frazzledhome

Have been with FBD for years. Got Aviva and Zurich to quote. I copied all schedules and got slightly cheaper quotes.

When I examined further cover wasn't as comprensive as FBD with higher excess. Be very careful when comparing as its about the cover first and the price next

frazzledhome

lakill Farm wrote: »

why would you risk loosing a client over it?

and also the client is probably not vat registered so try asking them for 2/3k they cant claim back

Thought the vat could be claimed but arrived later. Some years ago our guy wrote off his mower in ground we had rented and got fully paid but vat element too longer. I didn't go to another contractor as it was my fault.

Bloody unreasonable of a farmer to leave a contractor over a claim made for damage to a machine while farmer was at fault.

Base price

Always been with FBD. We have got quotes from other companies over the years but when you read the small print they do not match up with the level of cover from FBD.

lakill Farm

frazzledhome wrote: »

Thought the vat could be claimed but arrived later. Some years ago our guy wrote off his mower in ground we had rented and got fully paid but vat element too longer. I didn't go to another contractor as it was my fault.

Bloody unreasonable of a farmer to leave a contractor over a claim made for damage to a machine while farmer was at fault.

I cant speak for the farmer or the contractor. I can only tell you the facts

paddysdream

Base price wrote: »

Always been with FBD. We have got quotes from other companies over the years but when you read the small print they do not match up with the level of cover from FBD.

Maybe I am wrong(or lucky) but is some of the cover we have or are sold really necessary?

Have had a few claims on farm policy in the last 20 years or so,2 quiet substantial (well, to me anyways) ones and the rest small one's.
Cover happened to be with Hibernian(Aviva) each time and never a problem.Even pricing other companies after a claim it never seemed to make a difference.

But back to my first point.How much of what we are told (and sold) is needed in the real world.Yes I know you could be unlucky etc etc and will regret it the day the accident/incident happens but apart from the basics like public and employers liability,storm and fire damage to buildings and stock cover,what else is essential or will ever be actually called on.
Its like the fashion for serious illness cover that was all the rage a few years ago.People paying big premiums and when you went to look for a claim being told you had the wrong form of cancer or your heart attack was not the right type.

frazzledhome

paddysdream wrote: »

Maybe I am wrong(or lucky) but is some of the cover we have or are sold really necessary?

Have had a few claims on farm policy in the last 20 years or so,2 quiet substantial (well, to me anyways) ones and the rest small one's.
Cover happened to be with Hibernian(Aviva) each time and never a problem.Even pricing other companies after a claim it never seemed to make a difference.

But back to my first point.How much of what we are told (and sold) is needed in the real world.Yes I know you could be unlucky etc etc and will regret it the day the accident/incident happens but apart from the basics like public and employers liability,storm and fire damage to buildings and stock cover,what else is essential or will ever be actually called on.
Its like the fashion for serious illness cover that was all the rage a few years ago.People paying big premiums and when you went to look for a claim being told you had the wrong form of cancer or your heart attack was not the right type.

Life cover?

Country lad

Hi

Farrell wrote: »

That's a good point, I was told I couldn't do it, have jeep, farm, tractor & Quad on separate insurance. Even Cattle trailer has to be on jeep insurance rather than farm (or all together)

rangler1

Farmer Pudsey wrote: »

Been with Aviva about 5-6 years previously with FBD. Aviva beating them but about 200 this year but was as high as 350 one year. Tractor with them about 80HP 4WD Ford 6610 value 12K I think it is about 200 euro comprehenive.

€248 for a €25000 tractor here comprehensive, after a claim last year.
Don't know why FBD quote everyone different premiums.
€500 for a €25000 jeep and trailer
not exactly rip off rates eh!!!!!!

joejobrien

Base price wrote: »

Always been with FBD. We have got quotes from other companies over the years but when you read the small print they do not match up with the level of cover from FBD.

Spot on there,
I have getting quotes from brokers, aviva myself and fbd.
1. YOU MUST COMPARE LIKE WITH LIKE......... cover from others may not extend in certain areas, excess, or full values covered, saying there the same (ie insurance co.)is not the same unless you read it and I firmly believe most do not do this.
etc.
2. Must sit each down and go through every line carefully with the insurance company at YOUR PLACE.
3.BULK PURCHASING is advantage also.
4.We find FBD will deal, provide a little more in some cases on certain aspects of cover.
5. there are cheaper to be got but NOTthe same. I know I have read the small print. Can sleep at night and it is a full TAX deduct exp.

_Brian

We have public liability on ours.. DO many have employers liability ?? We have it and am thinking of dropping it to reduce the cost.

Justjens

_Brian wrote: »

We have public liability on ours.. DO many have employers liability ?? We have it and am thinking of dropping it to reduce the cost.

If you have any casual help, including friends/neighbours just helping out for no pay, then dropping employers liability is not a good idea.

Deano7

Well I wouldn't insure a jersey bull calf with Zurich. Shower of tramps.

paddysdream

joejobrien wrote: »

Spot on there,
I have getting quotes from brokers, aviva myself and fbd.
1. YOU MUST COMPARE LIKE WITH LIKE......... cover from others may not extend in certain areas, excess, or full values covered, saying there the same (ie insurance co.)is not the same unless you read it and I firmly believe most do not do this.
etc.
2. Must sit each down and go through every line carefully with the insurance company at YOUR PLACE.
3.BULK PURCHASING is advantage also.
4.We find FBD will deal, provide a little more in some cases on certain aspects of cover.
5. there are cheaper to be got but NOTthe same. I know I have read the small print. Can sleep at night and it is a full TAX deduct exp.

To be honest don't get all the love in with some people for FBD.Have compared them like for like with Aviva Quinns and Zurich over the years and have found them dearer on most occasions.Thats after they get a copy of the others policy from the previous year and are told to quote on that basis.As regards motor or home insurance,well lets just say that their quotes are usually rather excessive.
All insurance companies will"deal" esp. if you are giving them a good bit of business.

paddysdream

Deano7 wrote: »

Well I wouldn't insure a jersey bull calf with Zurich. Shower of tramps.

Why not?

Deano7

paddysdream wrote: »

Why not?

Currently have a claim ongoing with them for a good while, they're very slow to move on it. While I know FBD and Aviva are no saints, Zurich are beyond belief what their claims "investigators" are prepared to say about you.

joejobrien

paddysdream wrote: »

To be honest don't get all the love in with some people for FBD.Have compared them like for like with Aviva Quinns and Zurich over the years and have found them dearer on most occasions.Thats after they get a copy of the others policy from the previous year and are told to quote on that basis.As regards motor or home insurance,well lets just say that their quotes are usually rather excessive.
All insurance companies will"deal" esp. if you are giving them a good bit of business.

Hi Pady, its not a love affair as you so put it ......its reality no other company is able to provide cheaper insurance on a like for like basis. did you sit them down and allow them to explain there quotation. Be well sure I wont throw away any money just to be in love as you so put it. Why will I give my business to other companies if there dearer? Thats my experience and futhermore other lads i know who would be as razor sharp as myself also would valiidate the same

Sam Kade

whelan2 wrote: »

just be careful just because a quote is cheaper doesnt mean you have the same cover

I used a cheap quote to get fbd down they dropped by €80 for farm and house combined.

paddysdream

joejobrien wrote: »

Hi Pady, its not a love affair as you so put it ......its reality no other company is able to provide cheaper insurance on a like for like basis. did you sit them down and allow them to explain there quotation. Be well sure I wont throw away any money just to be in love as you so put it. Why will I give my business to other companies if there dearer? Thats my experience and futhermore other lads i know who would be as razor sharp as myself also would valiidate the same

Yes they quoted on a like for like basis and yes their agent called out and went through the quotation and yes they were dearer for the EXACT same cover.


Price them each and every year as well as any other company providing cover and ,as think I said earlier,only went with them one year when their price came in the best.Not a major amount but as I had been with the one company for a good few years decided a change might stir them up.The following year FBD were back with a much dearer price and the attitude from the rep. was "well shur you will hardly change again this year after the good introductory price you got last year"