By working closely with the NFU, we’ve now created Union Advantage, formerly known as Mutual Advantage.
Quite simply, it gives our farming community bigger benefits and more protection to say ‘thank you’ for your continued loyalty.
If you’re wondering why you qualify for Union Advantage, there are two simple reasons: 1. You’ve committed to insuring your farm with us for at least 3 years 2. You’re a full farming member of your local farming union
Encouraging Farm Safety
20% off NFU Mutual Risk Management Services consultancy days
We’ve all heard the sobering statistics that farming has one of the poorest safety records in the UK. So we’re here to help improve safety on your farm.
There are a range of services to choose from including site audits,support with risk assessments and safe systems, which will help you comply with the most recent health and safety legislation.
20% off NFU Mutual Risk Management Services training days
Keep abreast of modern farming trends and changes in legislation with our training courses – all delivered in partnership with your farm to keep your workforce competent and informed.
We deliver a range of accredited training courses with the Institution of Occupational Safety and Health (IOSH), first aid courses with Qualsafe and agricultural competence courses with LANTRA. We can also develop a range of courses at your request, including risk assessment, manual handling, fire safety, work equipment, COSHH and farm safety awareness sessions.
Next Generation of Farming
Enhanced Accidental Death Cover
The people who work for your business are a team, but they are also part of the local community. Accidental deaths in agriculture can happen, and when they do, the emotional and financial impact can take its toll on families and businesses.
Union Advantage provides cover for you, your business partners and directors against death from accidental bodily injury for £12,000, increasing by a further £12,000 each year you maintain Union Advantage with us, up to a maximum of £60,000.
We will also cover your full-time employees against death from accidental bodily injury up to £10,000. At your request, the payment will made to the estate of the deceased.
This Union Advantage benefit excludes death from a natural illness or disease, suicide, alcohol, non-prescribed drugs, flying (except as an airline passenger) or to any person over 75 years of age. Seasonal or casual workers are not eligible for this benefit.
20% off our Succession Planning Service charge
Starting that conversation is never easy, but NFU Mutual’s Succession Planning Service can help put your farm succession plan in place. Whether it’s navigating complex issues like Inheritance Tax or planning how to pass over responsibility, we’ll make sure you’ve thought of everything.
From understanding yours and your family’s objectives, to liaising with your Financial Adviser, accountant and solicitor, we’ll produce a full report and recommendations to help your plans become a reality.
20% off our Young Drivers Scheme
If you have a newly qualified driver in your family aged between 17-21 years, our Young Drivers Scheme will help keep them safer and save them money too. The training is provided by our training partner,Drive Doctors.
The scheme provides young drivers with car insurance alongside a 3 year programme designed to increase driving skills and safety, all tailored to driving within a rural environment. They’ll also qualify for 2 additional years no claims bonus – one at the start and one on completion of the scheme. That means young drivers can earn 5 years no claims in just 3 years of driving, worth 65% off their car insurance renewal premium, providing they remain claim free. The additional no claims discount is non-transferable to other insurers.
Peace of mind
Waived standard excesses on specified covers
If you haven’t made a claim on your commercial policy in the previous period of insurance, we will waive the standard excess you would usually have to pay when making a new claim.
So, if you have insured your farm building for storm and flood, bad weather hits and a barn is damaged, at least you know you won’t have the standard £250 excess deducted from your claim amount.
This Union Advantage benefit applies to the Farm Property, Goods in Transit, Livestock Herd – Fire, Perils and Fatal Injury and Livestock in Transit sections of your policy. It does not apply to any excesses above the standard amount, including voluntary excesses, for these sections.
Waived Underinsurance Special Condition
When insuring your property or livestock, it is your responsibility to declare a value or select a sum insured that accurately reflects the risk you want to cover. Doing so reduces the likelihood of underinsurance which occurs when the actual cost of repairing, reinstating or replacing your property is higher than the value it is insured for. However, we understand that values can fluctuate over the years and that you may occasionally forget to update your information because you have a busy farm to run.
So if you have accidentally underinsured your farm, we will remove a special condition that usually applies to commercial policyholders, and rather than reducing a claim by a proportional amount to reflect the underinsurance, we will pay the maximum of the sum insured instead, giving you peace of mind if the worst happens.
This Union Advantage benefit applies to the Farm Property, Goods in Transit, Livestock Herd – Fire, Perils and Fatal Injury and Livestock in Transit sections of your policy. You must still regularly review all values, sums insured, and load limits with your local agency and adjust these if the amount at risk has changed or if a qualified valuer has recommended you do so.
Enhanced Moral Obligation Cover
You already receive limited Moral Obligation cover as standard up to £2,500 under the Public Liability section of your commercial policy. Union Advantage extends this cover up to £5,000.
The cover provides for damage to personal effects of visitors or other property on the farm which are damaged due to certain events for which the policyholder is not legally liable.
So if a visitor’s car is hit in the yard and dented by a stone thrown up by a tractor, your Union Advantage benefit will help towards getting the car repaired, smoothing what could have been an even more difficult conversation.
*Please note that only certain benefits are available on the Isle of Man