A farmers' liability insurance contract should be concluded by everyone who owns a farm , i.e.:
- has agricultural land whose total area exceeds 1 ha, if it is at least partially subject to agricultural tax,
- conducts agricultural production (regardless of the area of land owned), e.g. apiary, animal breeding, crops in greenhouses.
Farmers' third party liability insurance protects them from having to pay out of their own pocket for damages that may occur as a result of owning their farm.
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Higher third party liability insurance for farmers. The decision was made
In practice, farmers' liability insurance covers, among others:
- damage caused by the farmer, persons staying with him on the same farm, and employees employed by him (applies to personal and property damage caused to third parties, as well as personal damage to the farmer, his relatives and employees),
- damage caused by animals on the farm (except animals not related to owning the farm, e.g. a dog – a family friend),
- damage caused by low-speed vehicles owned by a farmer and related to the ownership of a farm, e.g. combine harvester, self-propelled mower, sprayer, etc.
A person with farmers' third party liability insurance does not have to conclude a motor insurance contract (third party liability insurance) for low-speed agricultural vehicles , even if they drive these vehicles on public roads. Any damage is covered by farmers' liability insurance.
In other cases, low-speed vehicles must have motor third party liability insurance (short-term insurance is allowed, for a minimum of 3 months during the period when they are actually used). This applies to low-speed agricultural vehicles not related to the ownership of a farm (e.g. an excavator, roller, etc.), as well as low-speed agricultural vehicles if they are not owned by a farmer (e.g. a company that rents such equipment for field work).
Farmers' liability insurance does not cover, among others:
- passenger cars,
- trucks, buses, tractors,
- motorcycles, mopeds, scooters,
- agricultural tractors and agricultural trailers.
For all the above-mentioned vehicles, you must purchase compulsory motor third party liability insurance and maintain this insurance throughout the entire period of ownership of the vehicle. This also applies to farmers using such a vehicle in connection with owning a farm.
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You don't have third party liability insurance? You are risking your fortune
The lack of compulsory third party liability insurance for owners of motor vehicles or third party liability insurance for farmers may result in a fee imposed by the Insurance Guarantee Fund. Its amount depends on many factors – what type of insurance it applies to (motor third party liability insurance or farmers' third party liability insurance), what type of vehicle and how long the period of being without insurance was. Specific amounts are calculated on the basis of the Act on Compulsory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Office. The current fee amount is always available on the UFG.pl website.
For the lack of motor third party liability insurance for agricultural vehicles that must have it (i.e. agricultural tractors and trailers), there is currently a fee of PLN 290 (for a 1-3 day break in insurance), PLN 720 (for a 4-14 day break) or PLN 1,430 (in the event of a break of more than 14 days).
In turn, the lack of compulsory third party liability insurance for farmers involves a fee of PLN 430. These two categories of fees cannot be confused with each other.
However, the most serious consequence of the lack of compulsory motor third party liability insurance or farmers' third party liability insurance may be the need to pay for the damage done out of one's own pocket. These amounts often amount to hundreds of thousands or even millions of zlotys.
For example, the owner of a transport company had several vehicles, some of which were used exclusively on the company's premises. One of them spontaneously combusted, as a result of which the neighboring vehicle – a truck filled with the customer's goods – burned. The losses amounted to over PLN 1 million. The compensation was paid by the Insurance Guarantee Fund (UFG). However, the owner of the vehicle that caught fire must return this amount because, unfortunately, he did not conclude a compulsory third-party liability insurance contract.
Source: UFG
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