Q: Who will decide on whether my crop is damaged sufficiently by frost to be covered by the scheme and how do I make a claim?
A: As a grower you do not need to take any steps to make a claim. The policy will be triggered automatically if a ‘frost event’, as defined in the policy occurs, and a payout will be calculated automatically following the end of the campaign.
If the crop is not suitable to process, then the loss will be evidenced when the final beet delivery has been made by the grower and they fail to meet 85% of the Insured (approved) Tonnage. When an insured frost event has occurred, this will be communicated in writing by the NFU. Growers do not need to contact the insurer about their losses as this will be automatically calculated following the end of the campaign.
Q: My farm is not near one of the weather stations, when will the policy cover be triggered for my crop?
A: The policy has been designed to cover the national crop, no matter where it has been grown, once a trigger has been reached at any one of the named weather stations. There is no requirement for the trigger to be reached specifically at your nearest weather station.
The weather stations have been chosen to help provide coverage across the beet growing areas. In order to ensure that the chosen weather stations provide sufficient coverage for the beet growing areas there has been an extensive assessment of met office data from the chosen stations to ensure these stations would have provided qualifying information for the trigger in years where there has been known impacts from severe frosts.
Q: Wasn’t the 2010/11 campaign a rare occurrence. Is it worth having insurance for such freak events?
A: Based on analysis of the policy against historic data, an event which would trigger the policy occurred ten times in the last 62 years (1961, 1962, 1973, 1978, 1981, 1985, 1991, 1996, 2009, 2010). This is a 16.13% probability or about a 1-in-6-year event.