If you are an agriculturist you have to
give careful consideration to insurance in an entire range of your
everyday activities. Since
purchasing farm equipment requires big investments so it is very
important to insure your
farm machinery, which may include agricultural
tractors, harvester/header, combines, sprayers and other
equipment.
Why You Should
Insure Farm Vehicles?
Firstly, farm vehicles
are just as hazardous as any passenger vehicles and at times more so.
Many of these vehicles are much higher priced than passenger motor
vehicles. Losing one of these vehicles without adequate insurance to
counterbalance the cost of purchasing a new one, could be devastating
to an agricultural business.
Secondly, projectiles
from a farming vehicle can unintentionally do damage to other
motorist's cars. Your insurance will cover all such types of damages.
Snappy drivers can cause accidents that include your mobile
equipment. Since they are in such a rush they are at a risk of
mishaps. Moreover, these people are not even aware that they have
caused a crash. Insurance covers these accidents too.
Hazards Associated
With Header/Harvester
- Intertwining in the discharge augers in the grain tank
- Coming in contact with overhead electrical cables
- Coming in contact with straw chopper or spreader
- Getting trapped under the header
Getting low rate
harvester, header insurance
is the best course of action to take. It will protect others and
yourself if an unfortunate mishap occurs. Online organizations can
also help you in purchasing the correct policy for your farm vehicle.
Insurance Issues
Policies for
agricultural vehicles normally have clauses concerning obligations,
with respect to the policyholder. If you transgress on any of those,
in case of a claim your demand for financial compensation will be
refused. That's why be clear about what your obligations are.
Another most common
situation where your cover can be invalidated is allowing an
unauthorized party drive your harvester/header. There might be
typical clauses regarding minimum ages of drivers, the amount of time
somebody has held a license and the kind of license they hold. Though
it might entice some of the time to do otherwise, don't allow someone
in an excluded category drive your vehicle.
Conclusion
To
conclude it's
essential to understand that the only
valid source for insurance advice
relevant to your specific conditions should be your insurance
provider.
Get the best quote on your harvester,
header insurance
from an experienced insurance provider in your area and also proper
cover against risk of breakdown, fire, or direct damage from most
external causes.
