Agriplan gives you flexible insurance cover for your home. There are three options to choose from:
1. Total replacement cover – based on the square metre area of your home, as specified.
2. Replacement cover – based on the sum insured of your home.
3. Depreciated value cover

Additional benefits include cover for any part of your home used as a home office and for landscaping (where your garden and home are damaged) up to $2,500. There is also cover up to $3,000 for certain types of gradual damage and we do not exclude damage by pets or put a specific dollar limit on the damage they cause. Plus, retaining walls are covered to a limit of $10,000. You are also covered for up to $5,000 for contents in your home occupied by your employee.

Agriplan gives you two options when it comes to protecting your home contents.
1. At the home only – for items in your home.
2. At and away from the home – in most instances you’re covered anywhere in New Zealand providing your contents are not permanently removed from your home.

Additional benefits include specified cover for your children’s contents while at boarding school or living in tertiary accommodation. There is also up to $3,000 cover for certain types of gradual damage. And as valuable items such as jewellery, coin or stamp collections and photographic equipment are covered up to $3,000, you may not need to specify them to obtain cover for their full value.

Other additional benefits:
• Home office contents with a total value of up to $10,000 are covered.
• Unauthorised use of credit cards covered to $1,000.
• If your cellphone is stolen, we will cover up to $500 worth of unauthorised calls during the first 24 hour period.
• If you accidentally turn your freezer off, we will pay up to $3,000 to replace any spoiled food.

• Insure your farm and private use vehicles comprehensively. Or, for a reduced premium, you may choose Third Party or Third Party Fire and Theft cover. These two third party options provide cover for damage you negligently cause to someone else’s vehicle or property, as well as cover of up to $3,000 for damage to your own vehicle, where this is caused by another identified person and that party is uninsured.

For comprehensively insured vehicles:
• Windscreen breakage is covered (where this is the only damage) with no excess and no loss of your no claim discount – no additional premium required!

• We will also replace your vehicle if the cost of repairs is 60% or more of its market value, the vehicle has travelled less than 15,000km and it is less than one year old.

• There is no need to specify farm bikes with a market value of up to $1,000, farm tractors with a market value of up to $1,500, or other farm vehicles/implements (not including cars, utes or trucks) with a market value of up to $3,000, as they are covered automatically. For farm use vehicles, we will cover you to hire a vehicle to enable you to carry out your normal farming operations while your vehicle is being repaired. We will pay up to $250 per day, up to a maximum of 20 days – a five day excess applies.

• We will also cover the cost of repairing agricultural implements or machines if a foreign object becomes ingested or entangled in it.

• Vero AgriPlan also caters for your off-land assets. Vero AgriPlan boat cover provides for the repair or replacement of your boat, up to the market value or the sum insured you nominate.

Additional benefits include salvage and associated costs, and cover for boat equipment temporarily removed for repair or storage. There is also cover for recharge of extinguishers, replacement of flares and emergency costs, up to specified limits.

Vero AgriPlan helps you to protect all your farm assets. Cover is available for your farm assets including farm buildings, machinery, plant and tools, animal feed (excluding growing crops), general stores such as fertilizers, grain and produce, milk, refrigerated goods and wool.

Specified cover is available for electric motors, pumps and submersible pumps with a replacement value of up to $7,500. There is no kilowatt limit. Items less than five years old will be replaced if they are uneconomic to repair. We will also cover the hire cost of a replacement while repairs are being carried out.

We can provide total replacement cover for your farm assets such as machinery, plant, tools, computers etc irrespective of the age of the item.

If a processor who has your farm produce goes into liquidation or receivership before paying you, we will cover your net resultant loss up to $10,000.

Automatic replacement cover up to $20,000 (a higher sum insured can be chosen for an additional premium) for damage, caused by certain perils, to any farm bridge, valued up to $20,000. Sundry farm buildings with a replacement value of up to $5,000 are covered up to $5,000 per building or $10,000 for any one event.

Fences, gates, artificial windbreaks and sheep or cattle yards that are not part of a building are covered to $5,000 for certain perils.

If your dairy company is unable to collect milk because of route blockage or damage to their property, we will pay the amount that you would have been paid plus reasonable costs to dispose of the milk, up to $10,000.

Automatic cover of 50% of your loss up to $10,000, if milk is rejected due to accidental contamination.

Vero AgriPlan ensures it is business as usual. If a fire started in the switchboard of your cowshed and quickly spread destroying valuable equipment and part of the building and that damage was covered by your policy – what would happen next?

A. If you have chosen the ‘Additional costs’ option under the Farming operations interruption section, we will pay for your reasonable additional expenditure, up to $20,000 for a maximum of six months, to enable your farming operations to continue as normal.

or

B. If you have chosen the ‘Gross Profit’ option, you are covered for your lost gross profit, up to the sum insured, until your business has returned to normal. With the Gross Profit option we’ll also work with you to minimise loss, for example, assisting you to move stock and get them milked elsewhere. A benefit is also available to assist with payment of staff wages when their services can’t be utilised, while your buildings, machinery and plant are replaced.

With Vero Agriplan, farm machinery is covered for full replacement value if under five years old. Costs to hire a replacement machine and ordinary freight costs are covered.

Labour overtime costs to expedite repairs and express freight costs are covered up to $2,500.

Public liability insurance covers your legal liability to pay compensation for damage to property or personal injury arising out of your farming operations.

You will also be reimbursed for approved legal defense costs. Statutory and Employer’s liability cover is also available.