Vinpro Cost Guide 2025 / 2026

OESVERSEKERING / CROP INSURANCE

VIR WYNBOERE / FOR WINE FARMERS

Wine grape producers are frequently exposed to nature-related risks, which can affect the financial viability of their farming enterprises. Crop insurance is a tool through which producers can hedge themselves against these risks. Santam has provided some guidelines that can be applied for planning purposes when making decisions regarding crop insurance. Cover available ● Hail: The client identifies blocks to be insured. Excess payments are made per block, as per selected co-payment option. Cover is for direct damage caused by the mechanical action of hail. ● Fire: Cover is only provided on vineyards that are also insured against hail. The standard excess payment applicable to fire claims is 10% of the gross amount claimed. ● Cover comes into effect at 08:00 on the seventh day, after the day of signing the policy. Insured value ● Hail: The client determines the insured value per block, which is calculated as follows: number of hectares X expected yield per hectare (tonne) X expected price (R) per tonne. These calculated values must be realistic as claims are settled according to the insured value. ● Fire: The insured value is calculated as follows:  The crop value is calculated as indicated in the above example of hail.  The value of the infrastructure (optional), including the irritation system, poles, wire, anchors, etc.  Rehabilitation costs (optional) – remo val of damaged material, soil prepara tion, labour, plant material, etc.

Wyndruifprodusente word gereeld aan na tuurverwante risiko’s blootgestel wat ’n in vloed op die finansiële welstand van hul ondernemings kan hê. Oesversekering is ’n instrument wat jou as produsent teen van hierdie risiko’s verskans. Santam het hiermee enkele riglyne wat vir beplanningsdoeleindes gebruik kan word wanneer besluite rakende oesversekering geneem word. Dekking beskikbaar ● Hael: Die kliënt identifiseer blokke wat verseker moet word. Bybetaling geskied per blok soos per gekose bybetalings op sie. Dekking is vir skade veroorsaak deur die direkte meganiese aksie veroorsaak deur hael. ● Brand: Dekking word slegs op wingerde gebied wat ook teen hael verseker is. Die standaard bybetaling van toepassing op brandeise is 10% van die bruto eisbedrag. ● Dekking tree om 08:00 op die sewende dag, na die dag van ondertekening van die polis, in werking. Versekerde waarde ● Hael: Die kliënt bepaal self die versekerde waarde per blok en dit word as volg bereken: aantal hektare X verwagte opbrengs per hektaar (ton) X verwagte prys (R) per ton. Die berekende waardes moet realisties wees, aangesien eise teen die versekerde waarde vergoed word. ● Brand: Die versekerde waarde word as volg saamgestel:  Die versekerde waarde word bereken soos in bogenoemde voorbeeld van hael aangedui.  Die waarde van die infrastruktuur (op sioneel), insluitend die besproeiingstel sel, pale, draad, ankers, ens.  Hervestigingskoste (opsioneel) – ver wydering van beskadigde materiaal, grondvoorbereiding, arbeid, plantma teriaal, ens.

38 • VINPRO KOSTEGIDS / COST GUIDE