Scope of Cover and Covered Risks
For construction materials, technical equipment and crops cultivated in the greenhouse; hail, earthquake, volcano eruption, vehicle impact, storm, whirlwind, fire, landslide, flood, snow/hail weight risks according to the results of the risk assessment and evaluation; also debris removal cover; in case of one of the risks covered by the policy occurs, the costs of dismantling, removing, cleaning, transporting the debris as a result of direct damage to the cover material and/or construction assets of the greenhouse are accepted for insurance within the scope of General Conditions and Tariffs & Instructions.
In order for the farmer to carry out the insurance operations, the farmer must have updated the Under Cover Registration System records regarding the greenhouse and crop of that year.
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.
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, 24 hours as of the date of the risk occurrence via Voice Response System, Policy Inquiry / Claim Notification section in TARSİM Mobil Application 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.
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.