Open field · hail and storm · growing crops
Avéro Achmea's Outdoor Crop insurance
A crop in the open field stands unprotected in the weather. This cover concerns the crop itself, and specifically not the shed in which you later store the harvest.
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Deze pagina in het Nederlands: Teelt Buitenverzekering van Avéro Achmea.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Crop insurance for open ground covers the growing crop: field vegetables, nursery stock, perennials or flower bulbs standing in the field. The events are physical and identifiable (hail, storm damage, fire, lightning) and for each section you choose whether to include them. The building, the shed and the cold store stand apart from this; they belong on business buildings insurance.
After a loss the argument is almost never about whether it hailed, but about which crop on which plot was insured and what it was worth at that moment. The valuation follows the growth stage at the time of the event, not the yield you expected at the end of the season. Plots you rent in during the year must therefore be reported; anything not declared does not count.
Finass arranges this cover and compares several insurers objectively. Which insurer it becomes follows from your cropping plan and not from a preference decided in advance. In practice outdoor crops link to the rest of the agricultural package. The wider picture is set out at the agricultural insurance from Avéro Achmea and with environment and the agricultural sector.
This page deals with one situation. The full overview is on Compare commercial buildings insurance.
What to look out for
Four points that lead to disputes on outdoor crops more often than the premium does.
The crop list is the cover
What is insured is what appears on the policy schedule, by crop and by plot. If you change variety, rent extra land or move a crop to a different block, report it. Under Article 7:928 of the Dutch Civil Code you must disclose all relevant facts when taking out the policy, and Article 7:930 of the Dutch Civil Code attaches consequences to an incomplete declaration: for a loss on an undeclared plot, payment can lapse.
Not every kind of weather is a covered event
Hail and storm are the core. Drought, prolonged rainfall, night frost and heat are not included as standard; frost and snow load are at most an additional section with their own conditions. Damage from water rising through the soil or from groundwater is also a different risk from rainfall falling directly on the crop. Go through the sections before you sign.
Diseases, pests and wildlife stay outside the policy
Fungi, viruses, bacterial diseases, insect damage and attack by vermin are excluded. The same applies to grazing and burrowing damage by protected species. A separate compensation scheme outside insurance exists for that. Crop insurance is not a yield guarantee and does not absorb biological setbacks.
Loss of quality without visible damage
A crop that is technically still harvestable after a hailstorm but no longer meets the buyer's grading requirements often leads to a dispute. What is insured is physical damage to the crop, not the difference between two trade grades or a rejected delivery. Turnover you lose because the harvest comes in later or smaller does not fall under this policy either.
What does your premium depend on?
- Type of crop and cropping plan: a nursery crop reacts differently to hail from a leafy crop
- Area and spread of the plots: scattered blocks limit the loss from one storm
- Sections chosen: hail only, or storm, fire and frost as well
- Excess per event: often expressed as a percentage of the loss per plot
- Protective measures: hail netting, frost irrigation or covering
- Claims history and region: areas with recurring hail damage weigh more heavily
Insurers weigh these details differently. That is where your saving is.
What is covered on the growing crop
| Situation | Basic | Extended |
|---|---|---|
| A hailstorm in June shreds the leaves of the field vegetables | Yes | Yes |
| A verge fire spreads to the plot of nursery stock | Yes | Yes |
| Young avenue trees are pushed over by a summer storm and do not straighten up again | Provided that | Yes |
| The cost of resowing and replanting after hail damage | No | Provided that |
| A crop of cauliflower ready for harvest is taken from the plot overnight | No | No |
| A crop protection product drifts over from the neighbouring plot and damages your crop | No | No |
Where a product drifts over from someone else's land, recovery runs through the liability of the person responsible, not through your own crop policy.
Frequently asked questions
This is what people ask us most.
Is drought damage to my crop insured?
No. Drought is a gradual process and not a sudden event, and therefore falls outside crop cover. Losses caused by an irrigation ban or a low groundwater level are not insured either. What can count is damage from a storm or hailstorm that follows, provided that section is on your policy.
Is the storage shed covered by this insurance as well?
No. Outdoor crop cover covers the crop in the field. Buildings, cold stores and the installations inside them are insured on buildings cover, and their contents on contents and goods cover. That prevents a harvested crop falling between two policies: insured by the crop cover in the field and by the goods cover in the store.
What happens if I have not declared a plot?
That plot is not insured. The insurer may rely on Article 7:930 of the Dutch Civil Code, which ties payment to what you declared at the outset and during the term. So report any increase in area before the crop goes into the ground and keep the confirmation. Report a loss promptly as well; Article 7:941 DCC requires you to do so as soon as you are reasonably aware of it.
Does this policy cover the turnover I lose through the damage?
No. Crop insurance pays the value of the damaged crop at the time of the event. Fixed costs that continue while less turnover comes in belong on business interruption insurance, and that usually only pays out after covered material damage to your business.
Read more
Within Opstalverzekering gebouwenverzekering
- Opstalverzekering gebouwenverzekeringthe main page
- Avero achmea zakelijk teelt in kassenverzekering
- Avero achmea zakelijk kasverzekering
- Avero achmea zakelijk agrarische verzekeringen
- Avero achmea zakelijk opstalverzekering veehouderij en teelt in gebouwenverzekering
- Klaverblad zakelijk agrarische verzekeringen
- Klaverblad zakelijk opstalverzekering gebouwenverzekering
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