Insurance Policy

Grape Growers

We have squeezed every ounce of cover into this package and finally it is now ready for you to enjoy and includes numerous advantages, some of which we have listed:

 

FIRE

Fire damage to all insured property including stock/vines and contents as specified. Fire including fire resulting from the acts of lawfully constituted authorities in attempting to prevent the spread of fire.

EXPLOSION

Explosion, excluding damage to or explosion of pressure vessels (which includes but is not limited to boilers, compressors and air receivers and any of their contents) which require certification under Law.

LIGHTNING

Lightning strike, leaving visible and physical evidence of same.

EARTHQUAKE OR VOLCANIC ERUPTION

Earthquake, including subterranean fire, or volcanic eruption arising from earthquake.

AIRCRAFT

Impact by aircraft, spacecraft or other aerial devices designed to fly, including impact from items dropped from same.

IMPACT

Impact by vehicle (whether registered or unregistered) and /or its load.

MALICIOUS DAMAGE

– Acts of – 1. Persons taking part in riot, civil commotion or strike, lock-out workers, persons taking part in labour disturbances or persons acting maliciously in connection with any political organisation. 2. Other persons acting maliciously. 3. Any lawfully constituted authority in connection with the acts referred to in (1) and (2) above.

BURGLARY AND/OR THEFT

Theft of grape vines or their crop (with cover extending to damage caused during an act of burglary and/or theft).

FLOOD

Inundation following the escape of water from the normal confines of any lakes, reservoir, dam, river, creek or navigable canal as a result of a natural phenomenon.

FROST

The destruction or damage to the vegetative parts of a plant arising from freezing of fluids within plant cells and the consequent rupturing of plant cell walls.

HAIL

Pellets or stones of frozen rain falling in showers or storms.

ACCIDENTAL CONTAMINATION

Accidental oil spillage occurring in the vineyard during harvest causing damage to crop.

TRANSIT DAMAGE

Damage to crop harvested from grape vines within the vineyards, caused by fire, collision or overturning of any vehicles conveying the crop from the vineyard directly to its normal delivery point.

CLAIMS COSTS

If we pay a claim under this policy, then subject to our prior written consent, we will also pay costs necessarily and reasonably incurred to investigate, prepare and settle any claim paid under this policy.

LOSS OF REVENUE

You can also elect to insure your loss of revenue should your crop be damaged by one of the insured perils.

The cover displayed may be varied depending upon your own circumstances and claims experience. The policy provides full details of covers and exclusions.

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