Main features:

Wintering All Risks Partial Loss Cover is the cover provided for winter crops like winter wheat, rye, barley, tritikale and rapeseed, against all weather risks, which can result in non-renewal of the vegetation in the spring.

There is an indemnifiable loss if the actual plant density is less than 50% of initial plant density. The corridor between 50% and 70% of loss is the partial loss. The loss of 70% and more of initial plant density is considered as total loss. The loss of less than 50% of initial plant density is not considered as indemnifiable. Minimum number of plants (plants density, for grain crops) acceptable for insurance is 300 per 1 sq.m.

This is a double-trigger cover, i.e.: the indemnification is due providing that a) the loss exceed 50% of the initial plants density, and that b) the indemnifiable field is re-sown.

The insurance basis is all the fields (whole farm) insured. It is a must to insure all the fields of a given crop at the farm. The deductibles are applicable to the TSI for the whole farm.

Valuation basis is cost. Minimum limit per 1 ha is 500 UAH , maximum is 2500 UAH .

As a basic rate it is used the rate for the winter wheat. For the crops of winter rye and tritikale the same rates are used, as for winter wheat. For other crops the increase coefficient of 50% is applied to the basic rates.

Individual Pre-insurance survey and loss adjustment by Agrorisk is compulsory.

This product is for the seed multiplication farms and fields. The point is that the value of final product (seeding material) is that high that even the loss of, e.g. 60% of the initial plants density still makes it economically sound for the farm to keep the production process on until the harvesting.