Q: When will I receive the frost insurance details?
A: The NFU Mutual will be posting each grower with validated insurance cover a copy of their certificates, which details the cover value for each grower for the start of the 2012 campaign on the 20 September 2012.
Q: What if the information on my certificate is incorrect?
A: If you notice any information on your certificate is not correct, such as your contract tonnage or field reference numbers, please contact the NFU Mutual on 01789 202040 before the 1st October to provide the correct information.
However, growers may notice that the first field reference number shown on their certificate is incorrect. The NFU Mutual apologises for this and have corrected the error internally. It is not necessary for you to contact the NFU Mutual where your certificate shows an incorrect first field reference number. Your policy cover will not be affected in any way.
Q: I have not received a certificate of insurance, why?
A: Certificates will be received by all growers who have had their contracted tonnage validated by the insurers. Certificates will arrive on farm around the start of the 2012/13 campaign on the 20 September.
Growers that do not receive a certificate, but submitted their Crop Area Declaration (CAD) form to British Sugar before the end of July should contact the NFU Mutual to check their certificate has been posted.
If a grower did not submit their Crop Area Declaration form to British Sugar by either the contractual deadline or the extended deadline in July, then their cover has not been able to be verified by the insurer and they will not receive a valid Certificate of Insurance. However, these growers will still be charged for the cost of the insurance.
Q: I do not have validated insurance cover; can I submit my Crop Area Declaration now to validate my cover?
A: No. The insurance policy has begun and the crop has undergone all verification checks in order to calculate the premium and cover for each beneficiary of the policy.
The CAD is additionally required to be submitted by all growers, prior to the given deadline, under their existing contractual obligations, and is also required under food safety legislation. All growers who had not submitted their CAD by the deadline with their contracts were provided additional opportunity to submit their forms in July. They were informed both of the forms importance for their frost insurance cover and that failure to submit would not remove their liability of paying the frost insurance premium.
Growers with outstanding CAD following the contractual deadline set by British Sugar in June were directly contacted by both the NFU and British Sugar and informed of the importance of submitting their Crop Area Declaration form and its relevance to the insurance cover. Additionally British Sugar Area Managers spoke to growers to ask them for the CAD and the NFU publicised the extended deadline through information to members.