Multi-peril crop insurance

Scope of Cover

Multi-peril crop insurance provides compensation to agricultural crops grown by insured. While Crops are at field (germination-harvest): the policy indemnifies the insured against loss or damage by drought (excluding under irrigation), fire and lightning, hail and storms, flood, rust, uncontrollable plant diseases & pests and excessive rainfall while insured crops are at farm field from germination through to harvesting stage - While Crops are at temporary storage: the policy covers insured crops harvested and temporarily kept at nearby storage against the risks of fire, lightning, - While Crops are in transit: the policy provides cover against risks of theft, while crops are transported from temporary storage to permanent storage - The policy also compensates insured for downgrading of the quality of insured crops resulted from the direct effect of covered perils indicated in the policy.

Exclusions

• Any crop which has been harvested prior to inspection by the Assessor
• Hay and Straw
• Theft except whilst in direct transit to the insured’s permanent storage.
• Loss of earnings, loss by delay , loss of market or other consequential or indirect damage of any kind or description whatsoever
• Loss or damage to crop occasioned by its own fermentation, natural heating or spontaneous combustion