Foreign objects and damaged machinery

[grass man]

Specifically stone damage to combines, foragers, mowers, balers etc. Basically who's insurance is supposed to cover it, the farmers, the landowners or the contractors. Interested to hear opinions!

 

[davidroberts30]

Specifically stone damage to combines, foragers, mowers, balers etc. Basically who's insurance is supposed to cover it, the farmers, the landowners or the contractors. Interested to hear opinions!

If I've asked is there anything to watch out for the farmers get the bill or insurance claim

 

[Clive]

Don’t think a stone is a foreign object ? A brick is however

 

[fieldfarmer]

I have had to stomach the bill or claim on my insurance regardless what's picked up, from a bit of a ring feeder in the forger, to a supermarket trolley in a combine, one that got difficult was a slat from another contractors dung spreader went through the chopper, no metal detector, I ended up paying.

 

[grass man]

Don’t think a stone is a foreign object ? A brick is however

I don't know the technical term about that but can your combine handle a big stone or brick in it and continue with it's work?

 

[fieldfarmer]

Don’t think a stone is a foreign object ? A brick is however

If machine is insured against ingestion damage It does not matter what you picked up.

 

[Kevtherev]

Farmers insurance should foot the bill for any damage be it a large stone or metal object.

 

[deleted user 837354]

I should start the list of 101 things you don't want to hoover up with a combine. My entry- a car tyre thrown over the hedge into a crop of OSR...

I have mentioned it before but I was on a big farm spreading pig solid and they had managed to put a huge piece of steel chequerplate in their dung. It was about 15mm thick and more than a yard square. Took two of us to get it out over the side. Luckily I spotted it in the spreader before it got near the rotors and stopped.

Bloody string in people's fields and muck can be a nightmare for particular drills. The industry should ban plastic twine and use sisal instead.

 

[Y Fan Wen]

The industry should ban plastic twine and use sisal instead.

My farm would fall apart in a couple of months!

 

[deleted user 837354]

My farm would fall apart in a couple of months!

You can buy rope or wire you know, you won't have to rely on baler twine!

 

[8100]

The greenwaste on a Monday morning usually had some interesting items in it as the lads on the CA sites were too busy to monitor what was been chucked in.
Items like.....Washing machines ,Dead animals, asbestos , a box of human ashes in a box with name etc on ,wheels and tyres, Chain link fence etc etc.
On the plus side i found a near new Echo hedge cutter no end of loppers and a book of autographs i got £160 quid for

 

[Y Fan Wen]

You can buy rope or wire you know, you won't have to rely on baler twine!

Shock horror!

 

[Clive]

If machine is insured against ingestion damage It does not matter what you picked up.

but that’s not foreign object cover is it

a stone in a field is not a foreign object, but a brick is

be careful what you write on that claim form unless as you say it’s “ingestion cover” ( not something ive ever been offered)

 

[Clive]

I should start the list of 101 things you don't want to hoover up with a combine. My entry- a car tyre thrown over the hedge into a crop of OSR...

I have mentioned it before but I was on a big farm spreading pig solid and they had managed to put a huge piece of steel chequerplate in their dung. It was about 15mm thick and more than a yard square. Took two of us to get it out over the side. Luckily I spotted it in the spreader before it got near the rotors and stopped.

Bloody string in people's fields and muck can be a nightmare for particular drills. The industry should ban plastic twine and use sisal instead.

once had a motor bike crash helmet in the stone trap - took hours to get out, couldn’t break or cut it !

 

[Wellytrack]

but that’s not foreign object cover is it

a stone in a field is not a foreign object, but a brick is

be careful what you write on that claim form unless as you say it’s “ingestion cover” ( not something ive ever been offered)

Depends what machine is made for. Mowers are made to cut grass, stones should not be there.

On other hand heard of a contractor who owned a few old harrows and claimed to broke a power Harrow having hit rock. He presented the farmer with a bill for parts, repair and time fetching parts, when farmer queried where said rock was he could not identify it.

Taking the pish I think.

 

[Exfarmer]

once had a motor bike crash helmet in the stone trap - took hours to get out, couldn’t break or cut it !

Hope the head was not still in it!
remember years ago local to me motorbike crashed into a lorry full of steel pipes did not find head till they unloaded And it rolled out !

 

[Wombat]

I know of a few people who tried to claim warranty for foreign object and stones in machines

 

[grass man]

Taking it a step further, if a mower hit a stone or brick and flung a loose blade or other component at a passing motorist or pedestrian or nearby house or even the machines operator who would be liable if the worst case sinario happened. Surely a farmer should have a duty of care not to send someone into that situation

 

[Clive]

a stone is definitely something you would expect to find in a field - from experience an insurance company (the nfu in fact at the time) will not pay under foreign object cover for a stone

 

[Clive]

Taking it a step further, if a mower hit a stone or brick and flung a loose blade or other component at a passing motorist or pedestrian or nearby house or even the machines operator who would be liable if the worst case sinario happened. Surely a farmer should have a duty of care not to send someone into that situation

this thread needs an expert but i think that’s “consequential loss” ?