Vinpro Cost Guide 2025 / 2026

Die versekerde waarde moet realisties wees, aangesien brandeise teen die werklike- of versekerde waarde, welke die minste, be reken word. Branddekking word vir ’n 12 maande periode vanaf die aanvangsdatum van die polis gebied, waarna die dekking sal staak op 30 Junie, of sodra die normale oestyd van die versekerde oes verstryk het. Koste van versekering ● Die koste van versekering word bepaal deur die volgende aspekte:  Deelname van die versekerde oor ver skeie seisoene,  Geografiese ligging van die wingerd/ lande,  Keuse van bybetaling opgeneem deur die versekerde, en  Die eisegeskiedenis van die versekerde by Santam Landbou. ● SASRIA-dekking kan teen ’n addisionele premie tot die bestaande dekking byge voeg word. ● Die toestaan van branddekking is onder hewig aan vooraf oorsig van die risiko deur die versekeraar. Skadebepalings ● Hael: Skade word bepaal op die blokke/ boorde wat skade ondervind het deur meganiese aksie van hael. ● Brand: Skadebepaling mag uitgestel word totdat die skade en die werklike waarde van die versekerde eiendom korrek bepaal kan word. U kan enige van die geakkrediteerde make laars by Santam Landbou, of u plaaslike San tam Landbou-areabestuurder, skakel vir ’n kwotasie, advies, en verdere besonderhede rakende hierdie versekeringsaanbod.

As fire claims are settled at the actual or insured value (whichever is the lesser), the insured value must be realistic. Fire cover is provided for a 12-month period from the policy inception date, after which the cover will cease on 30 June, or as soon as crops are harvested or destroyed, or as soon as the nor mal harvest period of the crop has expired. Insurance costs ● The cost of insurance is determined by the following aspects:  The participation of the insured over several seasons,  The geographic location of the vine yards/fields,  The choice of excess payment deci ded upon by the insured, and  The claim history of the insured at Santam Agriculture. ● SASRIA cover can be added to the exis ting cover at an additional premium. ● The granting of fire cover is subject to prior review of the risk by the insurer. Damage assessment ● Hail: Damage is determined on the blocks/orchards that have been dama ged by the mechanical action of hail. ● Fire: The assessment of damage may be postponed until the damage and actual value of the insured property can be determined correctly. Contact any of the accredited brokers at Santam Agriculture, or your local Santam Agricultural Area Manager, for a quote, advice and further details regarding this insurance offer.

VINPRO KOSTEGIDS / COST GUIDE • 39