Analysis of the status quo of agricultural machinery insurance

[China Agricultural Machinery Industry News] Agricultural machinery, like humans, also needs an insurance. At present, agricultural machinery insurance still has some shortcomings in a series of aspects such as system construction. Many agricultural machinery households lack insurance awareness and are unwilling to insure. Due to the low insurance coverage rate, insurance companies lack initiative in the development of agricultural machinery insurance. Therefore, the promotion of agricultural machinery insurance requires insurance companies to increase their investment, and also needs relevant policies to support.

Analysis of the status quo of agricultural machinery insurance
Recently, the China United Property and Casualty Insurance Hebei Branch and some of the provincial agricultural machinery bureaus opened a combine harvester liability insurance (referred to as "agricultural insurance") additional vehicle personnel liability insurance. The main insurance targets for this type of insurance are tractors and harvesters. The main risks faced by agricultural machinery during use are “collision, fire, explosion, heavy rain, flood, storm, etc., which cause the loss of agricultural machinery and equipment itself”. “Agricultural machinery and equipment personnel operation risk” “Agricultural machinery is in use during the third Financial liability caused by the person." However, the relevant person in charge of the insurance company said that the customer's understanding of agricultural machinery insurance is not high, and it is affected by the insurance habits. At the same time, the insurance development model is mainly for buyers to purchase freely according to their own wishes, the insurance rate is low, and the insurance types are mostly To pay high insurance. Therefore, the insurance has not been widely promoted.
In recent years, with the continuous subsidence of agricultural machinery purchase subsidy policy, the number of agricultural machinery and equipment in our province has also increased substantially. At the same time, the economic losses caused by agricultural machinery accidents are increasing, and personal safety accidents are also increasing. However, with the increase of people's legal awareness and awareness of rights protection, such claims are also increasing year by year. Therefore, agricultural machinery insurance is very important. On the one hand, it can enable victims to receive corresponding economic compensation after disaster losses and stabilize the mood of the masses. On the other hand, it can guarantee the timely and accurate compensation funds and promote related enterprises and institutions. Resume production work as soon as possible.
Insurance industry insiders pointed out that the current agricultural machinery insurance still has some shortcomings in system construction, variety setting, market supervision and business operations. Because the propaganda is not enough, most farmers have a lack of insurance awareness, and they think that their agricultural machinery is rarely on the road, and the probability of an accident is very small, so they are unwilling to insure. In addition, the insurance company's willingness to underwrite is not strong. Judging from the data currently operated by various insurance companies, due to the low insurance coverage rate and lack of scale support, the tractor payout ratio is relatively high, so the insurance company lacks enthusiasm and initiative in carrying out agricultural machinery insurance. For insurance companies, tractors and harvesters are limited in coverage.
According to the introduction of China Property Insurance staff, the current agricultural machinery insurance carries out more traffic insurance for tractors and harvesters. There are few types of products independently developed by insurance companies for agricultural machinery insurance, and there is little room for construction machinery to be insured. In addition, there is a lack of policy promotion in relevant sectors. Agricultural machinery purchase subsidy is an important part of the national “three subsidies” policy for strengthening farmers and benefiting farmers. It is of great significance to improving the structure of agricultural equipment, improving the level of agricultural machinery, and developing modern agriculture. However, there is no unified management mechanism for subsidized agricultural machinery. The entrant did not effectively transfer the risk and increased the risk of construction machinery.
The above-mentioned insiders pointed out that agricultural insurance is an important link in the agricultural support protection system. Agricultural machinery insurance is an important part of agricultural insurance. Agricultural machinery insurance is conducive to raising farmers' protection level and promoting agricultural intensive production. Therefore, the promotion of agricultural machinery insurance requires insurance companies to increase their investment, and also needs relevant policies to support.
(Original title: Why is the agricultural machinery insurance being left out of the market?)

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