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The importance of insurance when life trips you up

Chris Knight, partner at Restormel Insurance Services based in Lostwithiel writes

We recently dealt with an agricultural contractor, Andrew Hoskin of Bugle who was less than a week away from his first silage job of the season when his forage harvester caught fire and was destroyed.

Depending on the complexity of a claim it can take weeks or even months to settle but, realising the importance of this vehicle to the future of Andrew’s business, both broker Restormel and Insurance Company Rural Insurance leapt into action.  Andrew had a new vehicle within a week and could keep his business running.

Andrew is one of the many agricultural contractors in the UK that keep farms running up and down the country.  According to Farm Business Survey back in 2011, nearly £500mof agricultural hire work was undertaken, allowing farmers to carry out crucial work without having to invest in expensive machinery or skills training. But sometimes things can go wrong which can have huge implications for both the contractor and the farmer.

Within a week the vehicle had been recovered, inspected and the claim settled with a new machine on site and just in time for the first week of the season.  Andrew was able to claim for the cost of the new harvester under his Farm Motor policy. Without this insurance, it would have been a very different outcome.

We understand the importance of keeping clients’ businesses, like Andrew’s running.  That’s why I am pleased we were able to settle this claim quickly allowing Andrew to continue business as usual.

 

To discuss your insurance needs contact Restormel Insurance Services/ Agricultural & Commercial Insurance Specialists including Mortgages and Life insurance / 01208 872700 www.restormelinsuranceservices.com

 

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