Farm insurance FAQs

How can I check if my monthly payment has been taken out of my bank account?

All monthly payments are taken from your bank account on the first working day of the month.

If for some reason your payment wasn't successful, please read "I missed a monthly payment, what should I do?"

How do I make a payment on my policy?

You can make a payment on your policy by completing our online payment form. Simply select from the list the type of payment you'd like to make. All you need is your policy number and your email address.

We'll send your receipt by email so you'll have the peace of mind the payment has gone through.

Alternatively, you can give us a call on 0818 7 365 24 to make a payment or you can drop into your local branch.

I've missed a payment on my policy, what should I do?

If you miss your monthly payment, we will notify you by email and/or by letter. Please refer to this correspondence for next steps.

In most cases we will reapply to your bank for a second time within 10 days. You can make the payment now and select "Pay missed monthly instalment" from the drop down menu.

Please confirm with your bank prior to paying again as payments may have already been requested a second time.

How do I report a windscreen claim?

To report a windscreen claim you can fill in our claims form or you can call us on 0818 7 365 24.

Please make sure you have policy number at hand.

Do I have to report every incident or claim?

Yes, you should report any incident which may result in a claim. Even if you're not sure whether a claim will be made on your policy. Incidents reported to us that don't result in a claim, won't impact your no claims discount.

You can complete our online claims form to notify us about a claim or an incident.

Can I cancel my policy mid term?

You’re free to cancel your policy mid-term. Simply return your Certificate of Insurance and Insurance Disc along with a written request to:

Postal Address:

AXA Insurance dac,
Wolfe Tone House,

Wolfe Tone Street,

Dublin 1,
D01 HP90

You can also call us on 0818 7 365 24 or drop into your local branch.

You’ll find more information on cancellations and related charges in your policy booklet.

How do you settle Farm Insurance claims?

We have a specialist Farm Insurance claims team with extensive experience to handle any claims.

To discuss your claim or report a new claim, call us on 0818 7 365 24.

What is a Low Claims Discount?

Our Low Claims discount rewards customers with up to 30% discount if they've been claims-free for the last three years.

Where can I buy a Farm Insurance policy?

You can get a quote online for your Farm Insurance.

If you'd prefer to speak to the team you can call us on 090 643 5070, request a callback or drop into your local branch.

Can I insure my tractor or jeep with my Farm Insurance?

Yes, with both AXA Smart Farm Easy and AXA Smart Farm Choices you can insure your tractor and agricultural vehicles for third party, third party fire and theft, and comprehensive cover.

You can also add your farm jeep to your Farm Insurance policy. Get a quote for Farm Insurance or request a call back from our agri specialists on 0906 435070.

Terms and conditions apply.

What does Public Liability cover?

Our public liability insurance covers your legal responsibility to the public if something goes wrong.

We'll cover the amounts you're legally responsible to pay as damages for accidental injury to anyone, and loss or damage to material property.

For example, if a tree falls onto the road or a visitor is injured on your land.

You can find more information on public liability cover in your policy booklet.

Terms and conditions apply.

How much should I insure my farm house for?

You should insure your farm house for its full reinstatement cost instead of its market value.

Insuring at its market value may lead to the value of your claim being reduced in the event of a loss and it may be more or less than the full rebuilding cost of your home.

You should also make an additional provision for demolition and debris removal costs, and for architect's fees.

The Society of Chartered Surveyors publish an annual guide about home reinstatement. For more information, visit www.scsi.ie.

What is farm personal accident cover?

Personal accident cover provides you with cover for bodily injury or death, loss of sight, loss of limb or permanent total disablement.

There are three cover options for personal accident cover. Your personal accident cover will be detailed on your policy schedule.

You'll find more information on personal accident cover in your policy booklet.

When will I get my refund?

If you're due a refund on your policy and you pay by monthly instalments, we'll send the refund to your bank account within 3-5 working days.

If you've paid your policy in full, we'll send your refund by cheque in the post to your home address. This can take up to 10 working days.

If you think you should have received your refund by now, give us a call on 0818 7 365 24 or drop into your local branch.

Where should I send documents relating to my claim?

The easiest way to send us your documents is to take a photo of each, unless the orginal document is requested, and upload them through your MyAXA account.

To register for MyAXA you'll need your policy number, email address and date of birth.

Alternatively, you can send them as attachments by email to claims@axa.ie. Please include your claim number in the subject line of the email followed by "i" (e.g. 123456789i).

You can also drop them into your your local branch, or post them to:

Claims Department,
AXA Insurance dac,
Wolfe Tone House,
Wolfe Tone Street,
Dublin 1
D01 HP90

When can I pay the settlement balance on my policy?

You can pay the settlement balance on your policy any time either by contacting us on 0818 7 365 24 or by dropping into your local branch.

If you are a car or home customer, you can view your payment information through your MyAXA account.

To register for MyAXA you'll need your policy number, email address and date of birth.

Do you provide a discount for IFA or ICMSA members?

Whilst we don't offer discounts for IFA or ICMSA members, we do have an excellent low-claims discount that rewards customers who have been claims-free for three years.

Read more about our Farm Insurance cover.

Do I get additional discounts for having a safety statement?

No, there are no additional Farm Insurance discounts for safety equipment.

Read more about our Farm Insurance cover.

What is hospitalisation cover?

Hospitalisation cover provides you with an income if you are hospitalised due to unforeseen illness.

The benefit is payable from the fifth day in hospital up to a maximum of 12 weeks. You can choose this cover up to €350 or €700 per week.

Read more about our Farm Insurance cover.

When is my Farm Insurance due for renewal?

Your renewal date can be found on your Certificate of Insurance or Policy Schedule.

We'll be in touch with your renewal notice at least 3 weeks in advance of your renewal date. To speak to one of the team about your Farm Insurance renewal call us on 090 6435070.

Can someone else discuss my claim on my behalf?

We won't discuss your claim with anyone else without your permission.

To give another person permission to discuss your claim on your behalf, please call us on 0818 7 365 24 and one of the team can help you.

Where do I send my valuation for my Farm Insurance?

You can send your outstanding documents to our central agri team by email to centralagriteam@axa.ie.

Make sure you include your policy number and a contact number. The team will generally pick these up within a day or two.

Why do I need to review my insurance requirements?

We have to review your insurance requirements because it's important that your insurance provisions adequately meet your needs.

If you have new outbuildings, acquire additional land, higher stock values, new part-time employees or increase replacement values of outbuildings, are all examples of times you may need to review your previsions.

AXA Smart Farm has been designed to allow for these reviews.

I've lost my card - do I need to update my payment details?

If you get a new card you don't need to contact us, as long as your bank account details haven't changed.

If you need to, you can update your bank details online.

Alternatively, you can get in touch on 0818 7 365 24 or drop into your your local branch.

My policy is up for renewal - how can I cancel it?

Your policy won’t renew unless we receive a payment. So if you've previously paid in full, there’s nothing you need to do. Your policy will automatically expire.

If you paid by monthly direct debit, simply call us on 0818 7 365 24 or drop into your local branch.

You’ll find more detailed instructions in your renewal letter.

Where is my Farm Insurance documentation?

If you've sent all your outstanding items and still haven't received your insurance schedule and cert, you can call us on 0906435070 and one of the team will be happy to help.

How can I change my direct debit details?

You can change your direct debit details by using our online change bank details form.

Alternatively, you can call us on 0818 7 365 24 or drop into your local branch.

What does underinsurance mean in Farm Insurance?

Underinsurance is where the insured sums on your property is less than the value it will cost to reinstate or replace it. All buildings should be insured for their full replacement value, including the cost of demolition and debris removal. Where a property is underinsured, the value of any claim is reduced by whatever proportion is represented by the level of under-insurance.

For example, a slatted shed with a full rebuilding cost of €100,000 is insured for €60,000 i.e. only 60% insured. If there's partial damage to the building of say, €40,000, then only 60% of the €40,000 will be paid out equalling €24,000. It's important to consider that, in the event of full damage where the building is totally destroyed, then the €60,000 will be paid – but this still only represents 60% of the replacement cost.

An average clause means that the insured will bear such portion of the loss as they're deemed to have carried themselves i.e. 40% in this case.

How can I get a quote for Farm Insurance?

Depending on which policy you choose, there are a couple ways to get a quote.

With Smart Farm Easy, get an online quote, we'll be in touch to confirm your requirements and you can purchase your policy.

With Smart Farm Choices, give us a call on 0818 7 365 24 to get your quote and purchase your policy.

I've just bought a new policy, can I cancel it?

If you've just bought a policy with us, you can cancel your policy within the first 14 days and we'll give you a full refund, provided that no claims have been made during this period.

You’ll find more information around policy cancellations in your policy booklet.

Can I choose when my monthly instalment is collected from my bank account?

Unfortunately, you can’t change the collection date of your direct debit.

You can stop the payment from coming out of your account by making an early payment on your policy through our payment form.

Early payments should be made before the 25th of the month to stop the direct debit process. If you pay after the 25th of the month, the direct debit process will run as usual which means you could end up paying too much.

What level of expertise does AXA have in Farm Insurance?

AXA Smart Farm has been designed by industry experts to offer you more cover, more choice and more value.

We've have Farm specialists ready to offer expert advice, as well as regional support from teams with lots of industry experience.

Get a quote for your Farm Insurance or call the Agri team on 090 643 5070.

My monthly payment was taken twice, what should I do?

If your payment has been taken twice, the best thing to do is contact your bank directly. This is the quickest option as payment is normally back in your account on the same day. Simply request a SEPA cancellation and the bank will refund your direct debit payment accordingly.

Alternatively, give us a call on 0818 7 365 24 and we'll be happy to help.

How can I renew my Farm Insurance

To renew your Farm Insurance, call our Agri team on 090 643 5070 and we'll be happy to help.

I'm due a refund, can I get it sent to my card?

If you pay by direct debit we can issue your refund to your bank account or if you pay in full your refund will be issued by cheque to your home address.

What does automatic renewal mean?

When you choose automatic renewal, your policy will automatically renew on your renewal date each year. If you are happy with the renewal terms and the premium quoted there is no need for you to take any action.

Unless you contact us prior to the renewal date, your policy will renew, and your monthly instalments will continue to be debited. Car and home insurance customers can check if you have automatic renewal in your MyAXA account.

What is a third party claim?

A third party claim is when there is damage caused to another persons vehicle or property, or Injury to another person as a result of an accident.

You will find more information in your policy document.

How can I get storm cover on farm outbuildings?

With both AXA Smart Farm Easy and AXA Smart Farm Choices you can add farm outbuildings and contents cover to your policy. This is subject to terms and conditions, so contact our farm specialist team on 0818 7 365 24 for more information.

If I have a claim, will my premium go up?

Our Low Claims Discount rewards customers with a low claims record. If you need to make a claim, the severity and circumstances of the claim will determine whether or not your premium will go up.

Why would I need employer's liability cover if I don't employ anyone full time?

Because accidents can happen on the farm, it's essential for all farmers to have employer's liability cover.

Even if you don't have anyone officially employed by you, our cover protects those working for you, including family and non-family workers, either casually or on a voluntary basis and protects you as an employer should you be deemed liable for a helper's injuries.

Read more about our Farm Insurance cover.

Do I need to pay a deposit when I renew my policy?

Yes. Once you renew your policy, a 15% deposit will be taken from your account within 7 working days of your policy start date.

You'll find more details in your payment schedule.

You can view your documents through your MyAXA account.

To register for MyAXA, you'll need your policy number, email address and date of birth.