Protect your crops and fruit in good time
Hail, flood, frost – these are but some of the acts of god that are difficult to predict, which is why the insurance of crops and fruit is the safest way for the farmers to protect their farms throughout the year.

Subject of insurance

  • arable and vegetable crops
  • fruit
  • medicinal plants
  • crops and fruit cultivated in glass houses and plastic covered greenhouses
  • fruit, grapevine, and forest propagating material
  • fruit trees, grapevine, and young forest cultures

Covered risks

Standard risks

  • hail
  • fire
  • lighting

Additional risks

  • flood
  • storm
  • spring frost
  • autumn frost
  • winter killing

Important questions

How is the insured value for crops and fruit determined?

Crops and fruit are insured to the value determined by the insured, on the basis of an actual value of the expected yield of a given culture. The actual value of the expected yield is determined by the expected yield (kg/ha) and the wholesale market price formed during the harvest – cropping season. Agreed values of yields and prices can be adjusted with their actual values during the insurance period – vegetation period.

What are the rights and obligations of the insured?

By stipulating crop and fruit insurance, the insured becomes entitled to indemnification against losses caused by damage to, or destruction of crops and fruit due to insured risks. To exercise the right to indemnification according to the agreed scope and amount, the insured has to meet the following obligations:

  • when concluding insurance contract – to insure all areas containing crops and fruit of the same type that he owns
  • during the insurance period – to effect the payment of insurance premium according to the agreed deadlines
  • after the occurrence – to report the loss to the insurer immediately upon his knowledge thereof, provide the insurer with all the information and evidence he has at his disposal for the purpose of determining the cause and amount of loss; in addition to regular agronomic practices, additional agronomic practices must be in place in order to limit adverse consequences.
What is the insurance price of one hectare of wheat?

The insurance premium amount depends on the degree of biological susceptibility of a culture to the insured risk effects and the degree of hail peril in the area where crop – fruit is cultivated.

Example: insurance of 1 ha of wheat against standard risk (hail, fire and lightning)

Expected yield 5.000 kg/ha, times the price of 20 RSD/kg gives the value (sum insured) of 100.000 RSD/ha. For this value, the insured pays the insurance premium of 2.000 RSD/ha.

How is insurance premium paid?

Insurance premium can be paid in full amount at the moment of contract conclusion, or in instalments, and the payment schedule is aligned with the schedule for generating agricultural income. The insured can be granted an insurance premium discount depending on the contract duration, insurance model (collective basis), and the like.

This text is for information only. More detailed information and a proposal tailored to your needs are available at all points of sale of the Company or by calling 0800 386 286 free of charge.


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