Farm insurance - Your cover

• 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.

• 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.

• 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.

• 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.