farm insurance

whelan1

is it only fbd and hibernian or is there anybody else there worth trying for a quote , was with fbd changed to hibernian but just looking around before i pay this year:rolleyes:

vanderbadger

quinn are actually doing farm insurance now as well, FBD premiums seem to have gone crazy across the board..

whelan1

ye we changed to hib 2 years ago and they where 3000 euro cheaper for me and 2000 cheaper for my dad :eek: but they are starting to creep up again plus they never answer the bloody phone which is driving me mad

Bitten & Hisses

vanderbadger wrote: »

FBD premiums seem to have gone crazy across the board..

They have, but when I get my renewal notice from them, I always ring up and tell them to stop trying to pull a fast one and they generally reduce the premium a good bit.

whelan1

that really annoys me about them why not give you one decent quote rather than having to haggle them

Bitten & Hisses

Presumably because there are idiots out there who just pay without questioning?

Sam Kade

I am with FBD. I put in a claim at the start of the year over a water leak; they went to every angle to avoid paying they even tried to blame the plumber. I also wanted to insure a painter for 4 days, they said that I would have to take out the insurance for him for a full year around €200. Before they would let you take out insurance for however long you had a person working. Does anybody know any insurance company that will give insurance just for the length of time you have the person working?

ravima

What type of policy do you have?

Could you not extend that policy, assuming you have already Employer Liability/ Public Liability?

Sam Kade

ravima wrote: »

What type of policy do you have?

Could you not extend that policy, assuming you have already Employer Liability/ Public Liability?

I have house insurance and public liability. I don't have employer liability. I would be only getting a painter once off for about 4 days it doesn't make sense paying the premium for a full year.

levallat

I had everything with FBD and last year they sent me a renewal notice that nearly gave me a heart attack so I rang them and they sent a woman out to the farm and by the time we'd finished haggling the price had fallen by nearly 4000

Box09

I worked for FBD for a while until i saw sense. They are the most tight ar£sed crowd i have ever met and will try to deny liability for most claims. I don't know why farmers bother with them. I have all my policies with hibernian and am very happy with their service.

whelan1

box09 do they actually ever ring you back in hibernian i am loosing my cool at this stage with them has anyone tried quinn

Rujib1

Box09 wrote: »

I worked for FBD for a while until i saw sense. They are the most tight ar£sed crowd i have ever met and will try to deny liability for most claims. I don't know why farmers bother with them. I have all my policies with hibernian and am very happy with their service.

Quinn are even worse. They simply do not pay out. How else could they afford to bet billions on the stock marrket and lose the lot and still survive.

R1

ravima

getting back on track, rather than berating various insurers, if you have HOUSEHOLD cover, then if the painter was being employed solely to do a job on the HOUSE, your household policy should cover your liability in respect of injury to casual employees.

I say SHOULD as you need to read your policy carefully.

If the painting was for a building that was not covered under the house policy, then that is a different matter.

Sam Kade

ravima wrote: »

getting back on track, rather than berating various insurers, if you have HOUSEHOLD cover, then if the painter was being employed solely to do a job on the HOUSE, your household policy should cover your liability in respect of injury to casual employees.

I say SHOULD as you need to read your policy carefully.

If the painting was for a building that was not covered under the house policy, then that is a different matter.

It's for painting haysheds. Even if it was painting a dwelling house FBD don't cover people working outside a dwelling. Another good reason to get rid of them next year.

leg wax

Sam Kade wrote: »

It's for painting haysheds. Even if it was painting a dwelling house FBD don't cover people working outside a dwelling. Another good reason to get rid of them next year.

i am with fbd and my insurance covered a man +myself on roofs painting 3 years ago

ravima

Personally, and it is a personal opinion, I think that any business person who does not have Employer Liability insurance is silly. You might only have casual employees once or twice a year, but they are then covered.

Also, remember it is a LIABILITY policy. It protects you and only makes a payment in the event of you being liable. Just because the painter is hurt/injured does not automatically entitle him to compensation. he must prove that you were negligent in some way.

SIX PACK

What's the average cost today of insurance for 60acre family farm with few cattle Sheep dwelling house & fairly old machinery? just curious because i know my dad doesn't hav insurance.

bob charles

SIX PACK wrote: »

What's the average cost today of insurance for 60acre family farm with few cattle Sheep dwelling house & fairly old machinery? just curious because i know my dad doesn't hav insurance.

min 1k, if someone get injured on your dads farm even if they are tresspassing you in serious doody with no insurance

Username John

SIX PACK wrote: »

What's the average cost today of insurance for 60acre family farm with few cattle Sheep dwelling house & fairly old machinery? just curious because i know my dad doesn't hav insurance.

I think I paid about somewhere around 1200 - 1300 this year for farm + old dwelling house + sheds + few sheep

SIX PACK

Username John wrote: »

I think I paid about somewhere around 1200 - 1300 this year for farm + old dwelling house + sheds + few sheep

can you claim some of that back. very hard to make money out of farming as is

Username John

SIX PACK wrote: »

can you claim some of that back. very hard to make money out of farming as is

Well, its a farm expense, so should be treated as such...

ravima

It depends on the cover you need. In my opinion, you NEED Public Liability and Employer Liability. Those are a protection cover if anything happens to a member of the public or an employee. You SHOULD also insure the house against FIRE at a minimum. You might be able to cover the cost yourself of a burst pipe and water damage, but if you are in a rural area, the house could be burned to the ground before the fire brigade even arrive!

I would think that the EL & PL woudl be a minimum of €300 on top of what you would insure the house for.

EL & PL are certainly allowable against tax.

supersean1999

had the farm 9 yrs , old sheds and machinery, never had insurance,might get public liability quote now, think iv chanced my luck long enough, wont pay much tbh, ill fire a few no trespassing signs up, if i had farm insurance and fell and broke my leg would i be covered for all costs

Red Sheds

As far as I know Public Liability Insurance will not cover you for any accidents etc, because you are the owner, it only covers members of the public who have a claim as a result of being on your property. What you would need is seperate personal accident cover, the cost of which will vary depending on how dangerous your occupation is classed (Farming considered a dangerous occupation) and on what you want cover for. Cover for accidents involving dangerous work like chainsaw use is more expensive than something less hazadorus.

Shop around well for insurance now, they are all so keen for business. I checked and compared prices online twice lately (used www.chill.ie and some other comparisson site). Chill.ie were actually on the phone to me before I had finished filling in the online form offering a further 10% discount if I went with them. Another company phoned less than 2 minutes after submitting the request saying they had a sale on with a 15% discount that was ending that week. I told them to ring back in January when I need the insurance and bet them they will have a 25% sale on then. Push them for even more discounts when you get talking to them then.

Big NB - Always read the small print

Username John

supersean1999 wrote: »

had the farm 9 yrs , old sheds and machinery, never had insurance,might get public liability quote now, think iv chanced my luck long enough, wont pay much tbh, ill fire a few no trespassing signs up, if i had farm insurance and fell and broke my leg would i be covered for all costs

Jesus Sean its a big chance to be taking. I know you might see the risk as low, but if anything did happen - could be very costly

freedominacup

ravima wrote: »

he must prove that you were negligent in some way.

When it comes to employers liability I think you'll find if it ever comes to your door that you will have to show that you weren't negligent. On any health and safety course I ever attrnded the premise seemed to be that employees had little if not no reponsibility for their own safety regardless of how much training, PPE and control measures an employer had in place. Proving you were negligent in some way won't be hard. What's a safe work height? Anybody?:eek:

supersean1999

i could not justify paying 1k a year, rarely get outside help in, if there is any damage in a storm i just fix it, of course iv the house insured, but not the farm, am i one of the few without any insurance, id of thought not ???

whelan1

supersean1999 wrote: »

i could not justify paying 1k a year, rarely get outside help in, if there is any damage in a storm i just fix it, of course iv the house insured, but not the farm, am i one of the few without any insurance, id of thought not ???

what about if there was a fire? is your house insured? what about the replacement value of your sheds etc? i pay close on 5k insurance a year, wouldnt be with out it tbh.... i would never say that i can not justify the spend as you never know what id going to happen.... how about if someone is on your land a breaks a leg and claims, even if they dont have permission, i would be glad to have spent the 5k in a case like that

supersean1999

whelan1 wrote: »

what about if there was a fire? is your house insured? what about the replacement value of your sheds etc? i pay close on 5k insurance a year, wouldnt be with out it tbh.... i would never say that i can not justify the spend as you never know what id going to happen.... how about if someone is on your land a breaks a leg and claims, even if they dont have permission, i would be glad to have spent the 5k in a case like that

i said i have house insured. to be fair every farm is different your into dairy and a lot bigger operation than me, 5k is bigger than a lot of sfp . id break the other leg rather than pay 5 k a year,

blue5000

I'm with sean on this one, have the house insured. Theft is the big problem these days. OK they might pay out once if at all, then your premiums go up. How many farmers are covered for theft? Insurance is fine until you go make a claim.

Farmer Pudsey

SIX PACK wrote: »

What's the average cost today of insurance for 60acre family farm with few cattle Sheep dwelling house & fairly old machinery? just curious because i know my dad doesn't hav insurance.

You should be able to insure this for about 7-800 euro this would be house comprehensive fire and theft farm and public liability. Get a quote from FBD and Aviva. If you have a tractor another 100 should do it if it is a mid sized tractor pre 1990.

kingstown

Have the Farm House Farm & Tractor all with FBD for €875

They did send a invoice of a higher amount but i just sent a cheque off the the same amount as i have paid for the last 3 years. They cashed it pretty quickly and sent a reciept and the cover schedule.

whelan1

supersean1999 wrote: »

i said i have house insured. to be fair every farm is different your into dairy and a lot bigger operation than me, 5k is bigger than a lot of sfp . id break the other leg rather than pay 5 k a year,

i know every farm is different but why have your house insured and not your farm doesnt make sense to me at all, anyways different folks different strokes

KatyMac

In a fti of madness I went to FBD last year for a quote. I was told someone would have to come out and have a look at the premises and arrangment was made for the following Thursday. I hung about all day Thurs and Frid, rang on Mon and was told someone would be out on Wednesday. I'm still waiting. They never appeared and my OH was around all the time so I didnt miss anyone. Rang and told them to forget it and I'm staying with Hibernian, at least they do what they say they will

reilig

KatyMac wrote: »

In a fti of madness I went to FBD last year for a quote. I was told someone would have to come out and have a look at the premises and arrangment was made for the following Thursday. I hung about all day Thurs and Frid, rang on Mon and was told someone would be out on Wednesday. I'm still waiting. They never appeared and my OH was around all the time so I didnt miss anyone. Rang and told them to forget it and I'm staying with Hibernian, at least they do what they say they will

My story is the opposite. I was fairly happy with Hibernian, but had a resolution to price each insurance policy that I have with others. Rang FBD at about 10am. Said rep was in the area. Rep rang at 11am and arrived at the house at 12. He spent 2 hours with me. Offered me a farm policy which was €500 cheaper than Hibernian (same cover as Hib and better in some instances with FBD). He also gave me a quote for the Jeep which would be added to the farm policy when its renewal was due - turned out to be €100 cheaper than my broker. Also quoted the house insurance to add to the farm policy when due and when the time came, it was €50 cheaper than the renewal premium. Very happy with FBD and their Rep.

rancher

reilig wrote: »

My story is the opposite. I was fairly happy with Hibernian, but had a resolution to price each insurance policy that I have with others. Rang FBD at about 10am. Said rep was in the area. Rep rang at 11am and arrived at the house at 12. He spent 2 hours with me. Offered me a farm policy which was €500 cheaper than Hibernian (same cover as Hib and better in some instances with FBD). He also gave me a quote for the Jeep which would be added to the farm policy when its renewal was due - turned out to be €100 cheaper than my broker. Also quoted the house insurance to add to the farm policy when due and when the time came, it was €50 cheaper than the renewal premium. Very happy with FBD and their Rep.

They are really good and never any problems with claims, but non farmers don't seem to get on as well with them,

supersean1999

whelan1 wrote: »

i know every farm is different but why have your house insured and not your farm doesnt make sense to me at all, anyways different folks different strokes

because i live in the house , i light fires. use the cooker, also my wife and son live there, if it was burned to the ground it would cost 150k plus contents to replace it,iv no part of the farm that will ever burn, and its unlikely a hurricane will destroy the sheds, and the land is going nowhere either, iv sheep so very unlikely ill get wiped out with some disease insurance will pay, the pl is a slight issue, if anyone claims they will spend a lot of time in a court before they see anything,ill wait without farm insurance for now, the mortgage and food are a bit more important imo, also how much damage would have to be caused to your farm before it would be worth while claiming 500e a 1k,