Re sheep attack insurance

karolmc100

My sheep have been attacked twice by a neighbours dog on the first occasion I lost 1 and had another badly injured,while there was none killed or injured this morning there is no doubt that the sheep were stressed out which could cause untold damage.my query is regarding the possible insurance of such events.

rangler1

karolmc100 wrote: »

My sheep have been attacked twice by a neighbours dog on the first occasion I lost 1 and had another badly injured,while there was none killed or injured this morning there is no doubt that the sheep were stressed out which could cause untold damage.my query is regarding the possible insurance of such events.

Don't know whether they still do it, but FBD used to do it, however I never thought it was worth the money

_Brian

After two instances have you not contacted the dog warden or guards asking for te dog to be destroyed ??

karolmc100

_Brian wrote: »

After two instances have you not contacted the dog warden or guards asking for te dog to be destroyed ??

Unless we get the dog and shot it we have no way of proving it the owner it denying it's his despite the fact that he drove up and down the road before 7.30 this morning looking for something

arctictree

I have cover for sheep worrying on my FBD farm policy

ganmo

karolmc100 wrote: »

Unless we get the dog and shot it we have no way of proving it the owner it denying it's his despite the fact that he drove up and down the road before 7.30 this morning looking for something

If you haven't warned the owner do
Next ring the dog warden explain the situation he can call to the owner ask to see what they have to ensure the dog doesn't get out and ask for licence etc. and lastly, carry your gun whenever you're headin up there

Green farmer

I have sheep worrying as part of my Fbd insurance. I think It costs about €100 per €5,000 of cover but it's a few years since I asked them to revise it up or down so cannt give a definite answer. It's an area that they moan about covering and found it hard to get them to throw in a bit of extra cover at renewal time. It's sickening to think the amount of worrying out there, that's causing the insurance companies to be cautious about covering it.

davidk1394

We had that problem last year. First attack we couldn't prove who owned the dogs but we knew who it was. We livrd in the field for 3 weeks watching it constantly they came back and followed them back to the fellas yard. You can get insurance cover but its very expensive. If i was you I'd be clever and deal with the dog causing the trouble

Green farmer

If you warn a owner about their dogs behaviour and anything subsequently happens to that dog, regardless of whether you had nothing to do with it, you will be blamed. ie,dog wanders off and gets lost or gets knocked down by a car six months later they'll blame you. Only answer is to deal with any trouble dogs to the letter of law and don't bother with chats with owner, who'll call you every name under the sun after you leave their door.

karolmc100

What does one have to prove/ show to claim under the worry part of the insurance

Username John

karolmc100 wrote: »

What does one have to prove/ show to claim under the worry part of the insurance

I put in a claim before, and I had to have a garda report, and I sent in a vets report as well I think (for ones that had to be put down)

ganmo

karolmc100 wrote: »

What does one have to prove/ show to claim under the worry part of the insurance

I assume that you've incurred costs as a result of it.
Insurance will only ever cover costs, won't pay for your time or future losses

paddysdream

karolmc100 wrote: »

My sheep have been attacked twice by a neighbours dog on the first occasion I lost 1 and had another badly injured,while there was none killed or injured this morning there is no doubt that the sheep were stressed out which could cause untold damage.my query is regarding the possible insurance of such events.

On your insurance or the dog owners?

Priced insuring my sheep before and its eye wateringly expensive.Not sure on the exact figure but think something like 5k.
Working on green farmers figures a 100 ewe flock at 175 per ewe plus say 160 lambs at 80 euro and throw in a couple of rams at 500 each gives a flock value of about 31k so cost approx 600 euro or so.Bit sore even on this size of flock unless it was a common problem and wonder if you had a few big claims what renewal policy would be?
On the other hand one bad attack would pay for it so ?
Unsure if it covers knackery charges or subsuquent lambing difficulties etc.

Think your own dogs are covered if mentioned on policy but obv. means shooting them.

As regards claiming from dog owner,most household policies have cover for this but many people are unaware of this.Not a matter of simply ringing up company/broker and putting in a claim.As someone else said you need Garda report(usually extremely helpful on this matter,at least I found them so)vet,valuer report plus don't forget carcase damage ie factory cutting (pc) or fully condemming a lamb maybe even 4 months down the road.

AnFeirmeoir

I have sheep worrying on my fbd insurance.
There are 2 options with FBD. I cant remember the titles but one is crazy price the other is ok. Something like Full cover and initial cover which covers up to something like 5k damage. I have the cheaper option.

orm0nd

AnFeirmeoir wrote: »

I have sheep worrying on my fbd insurance.
There are 2 options with FBD. I cant remember the titles but one is crazy price the other is ok. Something like Full cover and initial cover which covers up to something like 5k damage. I have the cheaper option.

is there an excess clause ?

AnFeirmeoir

€100 excess.

orm0nd

paddysdream wrote: »

On your insurance or the dog owners?

Priced insuring my sheep before and its eye wateringly expensive.Not sure on the exact figure but think something like 5k.
Working on green farmers figures a 100 ewe flock at 175 per ewe plus say 160 lambs at 80 euro and throw in a couple of rams at 500 each gives a flock value of about 31k so cost approx 600 euro or so.Bit sore even on this size of flock unless it was a common problem and wonder if you had a few big claims what renewal policy would be?
On the other hand one bad attack would pay for it so ?
Unsure if it covers knackery charges or subsuquent lambing difficulties etc.

Think your own dogs are covered if mentioned on policy but obv. means shooting them.

As regards claiming from dog owner,most household policies have cover for this but many people are unaware of this.Not a matter of simply ringing up company/broker and putting in a claim.As someone else said you need Garda report(usually extremely helpful on this matter,at least I found them so)vet,valuer report plus don't forget carcase damage ie factory cutting (pc) or fully condemming a lamb maybe even 4 months down the road.

is it true that if the dog (or dog owner whichever you wish) hasn't a current dog license listing the policy holder as owner . that the insurance company won't honour the claim ?