VIDEO – With the crop insurance reform, how will farmers be compensated following a climatic accident? Explanations through concrete examples in field crops, viticulture, arboriculture and meadows.
In this video, Bruno Lepoivre, deputy director of the agriculture and prevention market at Pacifica-Crédit Agricole, explains what will change for farmers with the insurance reform through concrete examples.
In practice, as of January 1, 2023, all farmers must have designated a single point of contact to manage the risk management system that will have been put in place on their behalf.
With this single interlocutor, farmers will have to choose for each crop group whether they want either a crop insurance contract or subsidized grassland insurance, or the national solidarity fund (the FSN) carried by the State. The latter only covers 45% of losses beyond the 50% loss thresholds in arable crops and viticulture, and 30% losses for arboriculture and grasslands. On the other hand, if the farmer chooses a crop or grassland insurance contract, he will be compensated for 100% of the losses beyond the chosen deductible.
To simulate your indemnities with this new reform following a climatic accident, Pleinchamp offers you a calculation tool depending on whether you choose to subscribe to the new version climatic insurance or to remain only eligible for the national solidarity fund (FSN) scheme.