What isObligatory liability insurance for the FARMER

liability insurance

This document contains the most important information about the product. Full information about the product is contained in the currently applicable law on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers’ Bureau.

What kind of insurance is this?

Farmers’ civil liability insurance covers the civil liability of a farmer and any person who, while working on a farm during the period of insurance cover, caused damage in connection with the farmer’s possession of this farm. A farmer (a natural person who owns or co-owns a farm) is obliged to conclude a farmers’ civil liability insurance agreement on account of holding a farm.

What is insured?

  • farmers’ civil liability insurance covers the civil liability of the farmer and any person who, while working on the farm during the period of insurance cover, caused damage in connection with the farmer’s possession of this farm
  • compensation is due if a farmer, a person staying with him / her in a joint household or a person working in his farm are obliged to compensate for damage caused in connection with the farmer’s possession of this farm, resulting from death, bodily harm, health disorder or loss destruction or damage to property
  • the liability also covers damages caused in connection with the movement of slow-moving vehicles owned by farmers who own a farm and used in connection with the ownership of this farm
  • the compulsory third party liability insurance contract covers civil liability for damages caused by a tort and resulting from non-performance or improper performance of an obligation, as well as damages caused intentionally or as a result of gross negligence of the Insured or persons for whom he is responsible

The guarantee sum cannot be lower than the PLN equivalent of:

  • in the event of personal injury – EUR 5,210,000 per incident, irrespective of the number of victims
  • in the case of damage to property – EUR 1,050,000 per event, regardless of the number of victims

What is not covered by the insurance?

  • damage to property caused to the farmer by persons working on his farm or staying with the farmer in the common household or by persons remaining with the farmer in the common household or working on his farm
  • damage to property caused by a defect in the goods delivered by the insured person or the provision of services by him
  • personal injury caused by a defect in goods delivered by the insured person or the performance of services by him, only if the insured person knew about these defects
  • and other indicated in art. 53 of the Act

What are the limitations of the insurance cover?

Warta is not liable for damages:

  • caused by the transmission of infectious diseases not of animal origin
  • resulting from damage, destruction, loss or loss of items borrowed or accepted by a person covered by the farmers’ civil liability insurance for use, storage or repair
  • resulting from financial penalties, court and administrative fines, as well as penalties or fines related to receivables from the state budget
  • consisting in the loss of cash, jewelry, works of art, securities, all kinds of documents as well as philatelic, numismatic and other collections
  • consisting in pollution or contamination of the environment
  • and other indicated in art. 53 of the Act

Where is the insurance valid?

  • the insurance is valid in the territory of the Republic of Poland

What are the Insured’s obligations?

  • providing current data necessary to conclude an insurance contract in accordance with the facts and to the best of knowledge as at the date of application (Policyholder)
  • premium payment for the entire insurance period or in accordance with the schedule specified in the policy (Policyholder)
  • notifying Warta of any changes in the circumstances specified during the conclusion of the insurance contract (the Insured / Policyholder)
  • not later than one day before the expiry of the period for which the insurance contract was concluded, notification of Warta about its termination, if the insurance is not continued (the Insured / farm owner)
  • notification within 14 days of a change in the ownership of the farm and the data of the person taking possession of the farm (the Insured / Policyholder)

How and when should premiums be paid?

The premium or its first installment should be paid on the day of concluding the insurance contract or later, if such were agreed in the insurance contract, in accordance with the schedule specified in the insurance contract: once or in installments, in cash, by payment card or by bank transfer, depending on the availability of a given form point of sale payments.

When does insurance cover start and end?

Insurance coverage begins with the conclusion of the contract and the payment of the insurance premium or its first installment, subject to individual agreements.

The farmers’ civil liability insurance contract is terminated along with:

  • after the 12 months for which it was concluded
  • the moment when the defined arable land and land lose the character of an agricultural holding
  • the date of change of the legal or factual status resulting in not being subject to taxation with agricultural tax or personal income tax on account of agricultural production constituting a special department
  • after 12 months, if after the conclusion of the farmer’s civil liability insurance contract, the ownership of the farm was transferred to another person, unless the person taking possession of the farm terminates it in writing
  • after 3 months from the date of declaration of bankruptcy of the insurance company
  • the date on which the Policyholder withdraws from the contract in the manner specified in the Consumer Rights Act
  • the date of termination of the contract in accordance with Art. 46a of the Act

If the farmer, not later than one day before the end of the 12-month period for which the farmers’ civil liability insurance contract was concluded, fails to notify the insurance company in writing of the termination, it is considered that another contract was concluded for the next 12 months.