SCOPE OF COVERAGE AND COVERED RISKS
With this insurance, financial damages directly caused by the risks specified in the policy to the greenhouse and the products inside, which are registered in accordance with the registration systems determined by the Ministry of Agriculture and Forestry and which are deemed suitable for insurance as a result of the risk assessment, are covered up to the sum insured.
In addition, in the event that one of the risks covered by the policy occurs, resulting in direct damage to the glass covering of the greenhouse and/or the construction values, the expenses for the dismantling, removal, cleaning, and transportation of the debris are accepted as insurable under the Debris Removal Expense coverage, in accordance with the General Conditions and the Tariffs and Instructions.
For high tunnels, insurance covers the risks of storms, whirlwind, fires, landslides, vehicle impact, earthquakes, and floods, as well as damages to the products inside and plastic cover. For low tunnels, only for plastic cover, insurance covers similar risks, including storms, whirlwind, fires, landslides, earthquakes, vehicle impact, wild boar attack, and floods, along with potential quality loss due to hail. Additionally, optional coverage can be obtained for the risk of frost during the seedling and leafing stages, which may lead to replanting of crops such as tomatoes, peppers, eggplants, melons, and watermelons.
POLICY ISSUANCE
In order for the farmer to carry out the insurance operations, must first have updated the greenhouse and crop information of that year in the registration systems determined by the Ministry of Agriculture and Forestry.
The farmer, who has updated his/her records, applies to the insurance company or agency that is a member of the Agricultural Insurance Pool (TARSİM) to insure his/her greenhouse. Following the registration of the preliminary information form, which is edited by the policy holder / insured, to the system; Agricultural Insurance Pool (TARSİM) initiates the risk assessment organization. Through the risk assessment, qualifications of the greenhouse to be insured are determined (as a result of the risk assessment, some risks or the whole greenhouse may not be insured) and recorded in the system. The insurance company or agency establish the policy in the system in accordance with the General Conditions and Tariffs & Instructions of State Supported Greenhouse Insurance. For the issued policy, Clarification Text, Policy Information Form and Policy printouts within the scope of the Personal Data Protection Law (KVKK) are sent by TARSİM to our insureds as SMS or e-mail, depending on their preference. In case the insured prefers to take the printed policy; the agency takes the Clarification Text, Policy Information Form and Policy printouts within the scope of the Personal Data Protection Law (KVKK) from the system in two copies and gives one copy to the insured in return for his/her signature. Then the agency issues the policy as two copies and hand out the one to the policy holder / insured.
PREMIUM PAYMENT
In Greenhouse Insurance, 50% of the premium written in the policy is subsidized by Government.
25% of the premium to be paid by the insured is taken in advance, the remaining premium is collected in installments (for policies issued between 1 August – 31 December, end of May; 1January – 31 July, end of November).
CLAIM NOTIFICATION / LOSS ADJUSTMENT / PAYMENT PROCESS
In case a risk, which is covered by this insurance, occurred; policy holder / insured shall make the claim notification to Agricultural Insurance Pool (TARSİM), 24 hours as of the date of the risk occurrence via Voice Response System, Policy Inquiry / Claim Notification section in TARSİM Mobil Application, BİP or tarsim.gov.tr or through the agencies.
Loss adjustments are made by the loss adjusters appointed by the Agricultural Insurance Pool (TARSİM). Following the completion of the loss file, finalized indemnity amounts are paid to the insured by the Agricultural Insurance Pool (TARSİM) via the bank channel within 30 days at the latest.
As a result of small and minor tears and/or punctures occurring on the insured soft plastic cover depending on the coverage in the policy; if the Agricultural Insurance Pool expert decides that the cover can be repaired with greenhouse tape, the costs to be incurred for the plastic cover are paid once as 5,000 TL per incident and for the duration of the policy, without applying deductible and coinsurance.
In case all or part of the insured crop is damaged in an early growing phase allowing re- sowing /re-planting of the same crop; and if loss adjusters agree upon re- sowing /re-planting the same crop, sowing /planting and care expenses incurred by the insured for the damaged crop up to date of loss are paid in accordance to the General Conditions and Tariffs & Instructions.