Agricultural machinery insurance wears an "insurance coat" for agricultural machinery

Agricultural machinery insurance wears an "insurance coat" for agricultural machinery

Agricultural insurance is an important part of agricultural support protection system. Agricultural machinery insurance is an important part of agricultural insurance. Comprehensive agricultural insurance is not only conducive to raising farmers' protection level, promoting agricultural intensive production, achieving poverty alleviation goals, but also enhancing farmers' insurance. Awareness, promote the development of the insurance service industry in rural areas. On the basis of summing up past experience, the new comprehensive agricultural machinery insurance has further expanded insurance coverage, improved insurance capacity, improved the risk protection system for agricultural machinery use, reduced the impact of agricultural machinery accidents on agricultural production, and reduced the phenomenon of farmers returning to poverty due to disasters. Promoting rural social harmony and stability will play a positive role.

Zhejiang: Anxin Agricultural Insurance Zhejiang Branch and Zhejiang Jifeng Juli Agricultural Machinery Group signed a cooperation plan for agricultural machinery comprehensive insurance (and news and relief) to jointly launch the “purchase and insurance” service to Zhejiang farmers and agricultural production and operation organizations. This is also the realization of professional agricultural machinery insurance business in Zhejiang Province.

It is understood that in recent years, with the implementation of the agricultural machinery purchase subsidy policy, the number of agricultural machinery and equipment in Zhejiang has increased significantly, and the newly added subsidized agricultural machinery and equipment in the past 10 years has reached 836,000 sets. However, due to the lack of agricultural machinery insurance, agricultural machinery damage and related personnel injuries are not guaranteed. To this end, in April this year, Zhejiang Agricultural Machinery Bureau and Anxin Rural Insurance Zhejiang Branch signed a strategic cooperation agreement on agricultural machinery insurance to promote agricultural machinery, facility greenhouses and their driving operator insurance business in the province.

Jiangsu: On April 27, 2016, Xuzhou Agricultural Machinery Bureau held a press conference at Xuzhou Newspaper Building in Xincheng District to interpret the “Jiangsu Agricultural Machinery Comprehensive Insurance Clause Rate” and related issues in Xuzhou City.

According to reports, agricultural machinery comprehensive insurance mainly covers agricultural machinery loss insurance, third party liability insurance, and operator liability insurance. In the Xuzhou area, the insurance has a 60% financial subsidy, and farmers can directly enjoy the discount when they purchase insurance. The amount of insurance is calculated according to the insurance content. Among them, the liability limits for third party liability insurance and operator liability insurance are 200,000 yuan respectively. As long as someone is injured in the process of agricultural machinery operation, whether it is hurting himself or hurting others, there will be insurance to pay. In addition, the insurance is also insured from “fixed person” and transferred to “fixed-machine” insurance. As long as the legal operator operates the insured agricultural machinery, the insurance can be obtained in the event of an accident.

Agricultural machinery insurance is of great significance for ensuring the safe production of agricultural machinery, but the status quo is not optimistic. On the one hand, agricultural machinery insurance is a single type, the cost is high, and the enthusiasm of farmers to participate in insurance is not high; on the other hand, the poor working environment of agricultural machinery and the safety awareness of employees are weak, the probability of occurrence of safety accidents is high, resulting in high insurance premium rate of insurance, insurance The company lacks the enthusiasm for handling agricultural machinery insurance. In addition, commercial insurance is completely self-funded, without government financial support, and some farmers have retired.

As a market-oriented risk transfer mechanism, social mutual assistance mechanism and social management mechanism, agricultural machinery insurance has unique advantages in serving rural economic and social development. With the implementation of the central government's policy of supporting agriculture and benefiting farmers, the introduction of agricultural insurance into policy insurance has also increased year by year. For the implementation of agricultural machinery insurance, more policy support and publicity are needed to ensure the vital interests of farmers.

(Original title: Agricultural machinery insurance everywhere, the agricultural machinery is put on the "safety clothing")