Farm Insurance

Jerry

Member
Mixed Farmer
Location
Devon
Any one used Towergate for farm insurance?

Been with NFU for a couple years and time for a change.

Its not just farm insurance, all property rental, caravan site, caravan storage and a few other bits and bobs.

Will also contact Cornish Mutual.
 

Jason PaceWard

Member
Location
Stoke on Trent
We work with an insurer called Farm and General who I'd highly recommend due their knowledge and service.
We can also assist with your other insurance needs as we have access to a wide market and insurers.
If you'd like me to give you a call to discuss let me know
 

Jackov Altraids

Member
Livestock Farmer
Location
Devon
Any one used Towergate for farm insurance?

Been with NFU for a couple years and time for a change.

Its not just farm insurance, all property rental, caravan site, caravan storage and a few other bits and bobs.

Will also contact Cornish Mutual.

Not made a claim [yet] but in every other respect they seem spot on.
 

Happy

Member
Location
Scotland
Was with Towergate back in 2010 when all the farm sheds were coming down with the snow.
They paid out on replacement for our one without any hassle.

Still with same broker but just switched to Axa after being with NIG Farmweb for past few years.
NFU quoted for first time this year. Were no cheaper but have kept our broker on his toes. Cheaper renewal than past couple of years.
 
Whoever you decide to go with ask for a copy of the policy terms and conditions before you agree to take out a policy. Insurers will often try to use these to wiggle out of a seemingly genuine claim. For what it is worth I have had a very mixed experience with NFUM, excellent on small straightforward claims, but a complete and utter nightmare on more complex high value claims eg subsidence like we’ve had. This is the other 2% of claims the mutual don’t advertise. Just hope whoever you are with you don’t have a complex loss. Just my 2 pence worth!
 

cattleman123

Member
Location
devon
Any one used Towergate for farm insurance?

Been with NFU for a couple years and time for a change.

Its not just farm insurance, all property rental, caravan site, caravan storage and a few other bits and bobs.

Will also contact Cornish Mutual.
Dont change....i know folk that have and when they had a fire which they did...oh dear what a fuss. cost them 1000s..stay where you are it may cost a few quid more but in the event of a a claim you will be far better off....Towergate are a no no anyway...they are only brokers and your insurance will be scattered across an array of companys
 

Sid

Member
Livestock Farmer
Location
South Molton
Any one used Towergate for farm insurance?

Been with NFU for a couple years and time for a change.

Its not just farm insurance, all property rental, caravan site, caravan storage and a few other bits and bobs.

Will also contact Cornish Mutual.
Couple years ago we had 3 quotes from NFU, Cornish mutual and a broker.

Saved us some money but was scary as to the variation in price for same cover!
 

bluepower

Member
Livestock Farmer
Dont change....i know folk that have and when they had a fire which they did...oh dear what a fuss. cost them 1000s..stay where you are it may cost a few quid more but in the event of a a claim you will be far better off....Towergate are a no no anyway...they are only brokers and your insurance will be scattered across an array of companys
Last year I asked NFU for a comparable quote for my fleet policy renewal as they kept pleading with me to come back to them after 10 years elsewhere. To my shock and horror they were twice the price of my existing insurers so i obviously stayed where I am. The service and cover is equally good and no problem with the one or two small claims we have made.
 

Kryten

Member
Location
South Derbyshire
Try the CLA insurance - I had three quotes last time CLA, NFU and local Ag Broker and they were the cheapest by a country mile and so far when I have needed to claim they have been brilliant. Really helpful and prompt payment.
 

Clive

Staff Member
NFFN Member
Location
Lichfield
Get a quote from Acres, they made us savings over F&M who halved our NFU premium 3 years earlier!

just completed our first year with Acres and impressed by service so far

@Nigel Wellings is your man to contact there

I use @Kate_PaceWard for cars - they are really good on the especially hard to insure stuff

If you are going to change I would get at least 3 quotes but don’t let anyone tell you the NFU Mutual are “better” my experience is the opposite is true

one thing for sure is sadly loyalty doesn’t pay ! .... shop around
 
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som farmer

Member
Livestock Farmer
Location
somerset
we moved nfu to towergate, massive saving, nfu said they would match it, enough said. We have changed again to mole insurance, but i think you will find, the actual bodies, that do farm insurance, are only 2/3, the only difference, should be, claim history, and brokers profit.
 

Nigel Wellings

Member
Main Farm Insurers are NFU, Axa, NIG Farmweb, Zurich, Cornish Mutual,Amlin,Aviva,IFARM plus one or 2 others. They all have good and bad points.
The most important point is that the person arranging your Insurance fully understands your business and farm Insurance. If the cover is arranged correctly in the first place it should pay out when there is a claim BUT the Broker/Agent arranging that Insurance needs to stand up and be counted when that claim comes along- it should not be passed to a call centre. As Brokers we take your money so we should have an obligation to sort the claim out- too many take the attitude, thats not my job.
@flyonthewall makes good comment about policy terms and condition. I believe that is our job as Brokers to fully explain the relevant ones to you. You will lose the will to live if you try and read them all!
On a daily basis we see N** knocking 10-50% off premiums to match quotes we have done. Very annoying but I have seen them do it for last 25 years since I quit working for them. It is never good for 1 company to have 65-70% of a market.
 

Barleymow

Member
Mixed Farmer
Location
Ipswich
Ime waiting to have words regarding the loader tests, 6% increase due to inflationary influence, the rate of inflation is 0.5 % and fuel costs have gone down
 

Sid

Member
Livestock Farmer
Location
South Molton
Get a quote from Acres, they made us savings over F&M who halved our NFU premium 3 years earlier!

just completed our first year with Acres and impressed by service so far

@Nigel Wellings is your man to contact there

I use @Kate_PaceWard for cars - they are really good on them especially hard to insure stuff

If you are going to change I would get at least 3 quotes but don’t let anyone tell you the NFU Mutual are “better” my experience is the opposite is true

one thing for sure is sadly loyalty doesn’t pay ! .... shop around

How many quotes do you get for tractor servicing?
 

Sid

Member
Livestock Farmer
Location
South Molton
If you are going to change I would get at least 3 quotes but don’t let anyone tell you the NFU Mutual are “better” my experience is the opposite is true
That's only your experience, premiums are based on various factors, maybe your were a difficult customer? Perhaps the saw you as a high risk of a claim?
In my case they were better than the 2 other quotes. By a significant difference! NFU came in cheaper than previous year and the two other were higher that what I had been paying the previous year. This could have been due to our claim history being very small therefore reducing risk.

Just because something isn't suitable for you doesn't mean other shouldn't give them a try. Insurance is a risk based.
 

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Man fined £300 for bonfire-related waste offences

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Written by William Kellett from Agriland

court-640x360.jpg
A man has pleaded guilty at Newtownards Magistrates’ Court to waste offences relating to a bonfire next to the electrical sub-station on the Circular Road in Newtownards, Co. Down.

Gareth Gill (51) of Abbot’s Walk, Newtownards pleaded guilty to two charges under the Waste and Contaminated Land (Northern Ireland) Order 1997, for which he was fined £150 each and ordered to pay a £15 offender’s levy

On June 25, 2018, PSNI officers went to Gill’s yard, where they found a large amount of waste consisting of scrap wood, pallets, carpet and underlay.

Discussion with Northern Ireland Environment Agency (NIEA) officers confirmed the site...
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