Help Centre

Simply fill out the call back form here: Business and Farm Insurance Quotes Ireland – An Post Insurance. One of our Farm Insurance agents will call you back as soon as possible to talk you through a quote. 

If you own a farm that is less than 100 acres, our Smart Farm Easy Policy would suit you.

For larger farms that are over 100 acres, specific, customised cover may be required. You should check out our Smart Farm Choices Policy. 

You should insure your farmhouse for its full reinstatement cost rather than its market value.

Insuring at its market value may lead to the value of your claim being reduced in the event of a claim as the market value may be more or less than the reinstatement value.

You should also make an additional provision for demolition and debris removal costs, and for architect’s fees.

The Society of Chartered Surveyors publish an annual guide about home reinstatement. Learn more: www.scsi.ie. 

A policy excess is the part of a claim that is not paid by the insurance company. For example, a total claim for €5,000 is reduced by a €200 excess and €4,800 is paid out. The excess for each event insured is outlined in your Policy Schedule or Policy Document.  

Being underinsured means the insured sum on your property is less than the value it will cost to reinstate or replace it. All buildings should be insured for their full replacement value, including the cost of demolition and debris removal. Where a property is underinsured, the value of any claim is reduced by whatever proportion is represented by the level of under-insurance.

For example, if a slatted shed with a full rebuilding cost of €100,000 is insured for €60,000 then it is only 60% insured. If there’s partial damage to the building of say €40,000, then only 60% of the €40,000 will be paid out equalling €24,000. It’s important to consider that, in the event of full damage where the total building is totally destroyed, then the €60,000 will be paid – but this still only represents 60% of the replacement cost.

Need further help understanding underinsurance or are you worried you may be underinsured? Speak to our team on 0818 22 22 22. 

While the Underwriters of this policy don't offer a discount for IFA or ICMSA members, they do have an excellent low-claims discount that rewards customers who have been claims-free for three years. 

No, this is not a part of the policy. 

You have to review your insurance requirements because it's important that your insurance provisions adequately meet your needs.

A new outbuilding, acquiring additional land, higher stock values, new part-time employees, or an increase in replacement values of an outbuilding are all examples of times you may need to review your previsions.

AXA Smart Farm has been designed to allow for these reviews. 

Depending on the policy and additional options you choose, cover is available for the following:

• You
• Your home and is contents
• Your farm buildings and contents
• Your machinery
• Members of the public
• Your livestock
• Your tools & equipment
• Your income
• Your crops

A range of farm vehicles can be covered:

Tractors and agricultural vehicles including diggers, loaders, and quads can be covered for third party, fire and theft, or comprehensive cover.  Specified trailer cover is also available. 

Jeep Insurance: Option to cover farm jeeps used for farming, social, domestic and pleasure purposes only. Restricted to 2-seater commercial jeeps or 5-seater crew cab pickup type vehicle. 

With both Smart Farm Easy and Smart Farm Choices you can add farm outbuildings and contents cover to your policy. Storm cover is included for all outbuildings that are in a good state of repair with no visible roof sagging, holes or gaps and are constructed within the last 40 years and made of steel frame, concrete, block or stone and roofed with asbestos, galvanise, cladding or stone. Outbuildings older than 40 years can be included for storm once confirmation exists that they currently are insured for storm with their current insurer. This is subject to terms and conditions, so if you’re unsure our farm insurance agents will be happy to assist or refer to your policy documentation. 

Employer’s Liability Cover is designed to protect you against legal liability for any injury or disease caused to your employees and family members over 14 years old in the course of their farming duties. You have the option to add Employers Liability Cover* to your policy which provides cover for up to €13 million.

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy. 

Public Liability protects you if your negligence (or your employees’ negligence) causes damage or injury to the public. Standard cover is up to €6.5 million for public liability claims. Public Liability Cover does not protect you against injury to an employee or voluntary helper on the farm. You will need Employers Liability Cover for this. 

Legal Expenses Cover will cover your legal costs of up to €150,000 per claim, and up to €1.5 million for any one period of insurance. It covers issues such as property disputes, alleged wrongful dismissal of employees or contract disagreements. 

Our Low Claims discount rewards customers that have been claims-free for the last three years. You can receive up to 30% off! Speak to our team now to find out more. 

Personal Accident Cover* is an optional additional benefit you can choose which provides you with an income if you are unable to work on your farm due to an accident. The payment starts after one week and can be used to pay someone while you're unable to work.

Temporary Total Disablement is payable for a maximum of 104 weeks and a weekly payment limit of between €300 and €700 applies depending on the option you have selected.

Temporary Partial Disablement (which would be the most common claim) is payable for a maximum of 26 weeks and a weekly payment limit between €150 and €350 applies depending on the option you have selected. Our team are ready to discuss these options with you.

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

This cover provides you with an income due to hospitalisation as a result of unforeseen sickness. The benefit is payable from the fifth day in hospital up to a maximum of 12 weeks. You can either opt for a weekly benefit of €350 or €700. (Only available on Smart Farm Choices Policies). 

Livestock Theft* is an optional additional benefit. If selected it will cover loss (but not damage to, or injury) to livestock stolen and unrecovered as a result of theft. Certain conditions apply, please refer to your policy booklet for full details. (Only available on Smart Farm Choices Policies).

*Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

Sheep Worrying* is an optional additional benefit. If selected, we will pay you for fatal injury or necessary slaughter, occurring within seven days to sheep, resulting solely and directly from any dog attack or worrying by dog(s). Certain conditions apply, please refer to your policy booklet for full details. (Only available on Smart Farm Choices Policies).

* Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

Pedigree Livestock* is an optional additional benefit If selected, we will pay you for fatal injury or infertility to any animal specified in the schedule following an accident, illness or disease or its necessary slaughter (under certificate by a duly qualified veterinary surgeon) within 14 days of such accident – but only to the market value of the animal at the time of the accident. The amount payable won’t exceed the Sum Insured stated on the Schedule. Certain conditions apply, please refer to your policy booklet for full details. (Only available on Smart Farm Choices Policies). 

* Optional add-ons are subject to an additional charge; it is not necessary to purchase these add-ons in order to purchase the policy.  

Livestock Option to include specific cover for the death or necessary slaughter of your livestock. Protect your animals in case of fire, lightning, explosion, storm, electrocution, the collapse of slats, while in transit or while on foot away from your farm.

Farm Outbuildings & Contents Option to include extensive cover for outbuildings and contents, including storm cover. Outbuilding contents cover is also available.

Farm-dwelling House Option to include farmhouse and contents cover to protect your home and your business — including business contents, fire brigade charges and accidental damage cover.

You have the option to include cover all your specialist equipment, including bulk milk tank, A.I. flasks, cameras, tack, trailers, calving cameras, and more. Our Team can discuss these options with you.

• Have your policy number to hand
• Notify the claims team immediately by calling 01 892 7142 to register the claim, any time between 9am and 5pm, Monday to Friday
• Give brief details of the claim and request the next steps in order to process the claim
• Take any reasonable emergency steps to avoid further loss

Our Low Claims Discount rewards customers with a low claims record.  If you make a claim this may reduce your low claims discount.