Livestock insurance policy

The Livestock Insurance policies for Pigs and Cattle is an annual All risks mortality cover
against loss due to Disease, Epidemic, Illness and Accident. The policy has additional
optional extensions.

The amount you insure the Animals for is just the market value, on which a percentage rate
is applied.

The Basis of Cover is

1. Replacement value of animal for Single head cover

2. Market value for general cover

PIGS

Cover can be extended for Transit Risks, Theft risks and Farrowing risks. Transit risks
extension is available only when taking the pigs for displays, shows or similar. It does not
cover risks when transit is for the purpose of selling. Extensions, thus transit, Theft and
Farrowing attract a 20% loading respectively on basic premium.

Cover is of two (2) types under the Pigs livestock policy:

1) Single animal cover for high value breeding boars; and

2) Large herd general cover for other pig classes.

There are special conditions for the commencement of cover:

1) There has to be receipt of a satisfactory Certificate of Health from a registered veterinary

surgeon.
2) Only animals from 2 months to 6 years can be insured;
3) Cover for the first 3 weeks is against accident only.

CATTLE:

Cover can be extended for Third Party liability cover and Transit Risks, Theft risks and
Calving risks.

Transit risks extension is available only for dairy animals when taken for displays, shows
or similar. A 20% loading is applicable on respective extensions, while a loading of 0.5% is
applicable on the declared limit of liability for third party cover.
There are two (2) types of cover under the cattle livestock policy:

1) Single ANIMAL cover for pure high value breeds

2) General cover for other types of cattle

There are special conditions for the commencement of cover:

1) There has to be receipt of a satisfactory Certificate of Health from a registered veterinary

surgeon.
2) Only animals from 6 months to 10 years can be insured;
3) Cover for the first 3 weeks is against accident only.

CLAIMS

Only claims above the normal acceptable mortality rate are paid and must be accompanied
by surgeon’s post mortem report. You shall also be expected to contribute a 20% deductible
on the loss incurred on each and every loss.