angse haDie onlelstorm het ons boere seergemaak

angse haDie onlelstorm het ons boere seergemaak

Met die voortslepende droogte en hittetoestande het almal gehoop op reën. Toe kom daar ‘n klomp los buie en sommer ook ‘n ordentlike haalstorm wat veral ons groenteboere aan die noorde van Brits geweldige skade aangedoen het. Oeste is in totaliteit vernietig. Nette het in die slag gebly en die skade word op miljoene rande geskat.

In hierdie uitgawe is daar ‘n artikel oor oesversekering en in daardie artikel word melding gemaak dat groenteversekering geweldig duur is en die meeste boere maar self die risiko neem vir hierdie tipe van skade.

Hierdie tipe van skade laat uiteraard gemoedere op loop gaan en ons het weer by Cabous Coertze van Obaro-makelaars gaan kers opsteek om bietjie meer perspektief te kry. Hy werk intens met hierdie tipe van goed, het volle begrip vir die situasie waarin boere verkeer en noem dat in jare waar daar groot haelstorms voorkom, gemoedere gewoonlik hoog loop onder die boere. Soos ons nou onlangs gesien het, kan hael groot skade aanrig aan strukture soos nette, afdakke, voertuie, plaaswerkers se huise ensovoorts. Dit is nou bo en behalwe die skade aan die oes. Die boodskap is dus: Versekering is duur (al is dit soms goedkoop). Dis mos maar ’n ‘grudge purchase’ omdat mens nie iets kry wanneer jy betaal nie. In kort is versekering ’n belofte wat die boer by die versekeraar koop, maar dit is ‘n belofte met ‘n spul voorwaardes. Obaro makelaars is in lyn met die boer, so hulle werk is om die voorwaardes in die boer se taal aan hom te verduidelik. In so ‘n gesprek is dit raadsaam om alles in ag neem. Dit help tog veel jy betaal vir versekering op oeste, maar jy verseker vir die laagste insette moontlik. Wanneer jy skade het, is die eis nie genoeg om die werklike herstel te betaal nie. Baie mense vergeet dat hulle met 100% se skade slegs die ‘bottom line’ insette gedek kan kry as hy teen minimum verseker. Hulle vergeet die geleentheidskoste van ekstra diesel, ekstra personeel, ekstra water en elektrisiteit wat sommer gou ’n klompie geld kan wees.

Hulle raad is om na die totale holistiese prentjie van jou boerdery te kyk. Die moderne boer het vandag ’n klompie ysters in die vuur soos byvoorbeeld vervoerkontrakte vir sy trokke of stroopkontrakte vir sy stropers. Hy het lewende hawe of vee wat hom dra deur swaar tye of boorde op ander plase wat die seisoenale effek balanseer. Om sinergie te bewerkstellig kos redelike beplanning en goeie risiko bestuur. Versekering is deel daarvan. Omdat sekere tipes versekering vir die boer te duur is, soos byvoorbeeld groente, loop baie boere die risiko dat skade maar net sy kontantvloei (as ekstra geldjies) kan beïnvloed, daarom word versekering dan éérs as onnodig beskou. Maar vir die boer wat afhanklik is van die opbrengste van sy harde werk om kos op die tafel te sit, is die prentjie anders. Versekering is duur, maar die dag as die hael kom, was dit die moeite werd.

Cabous noem iets wat ons interesseer. Hy sê wat altyd ’n goeie voorstel is en reeds deur baie boere gedoen word, is om ’n fonds bymekaar te maak vir tye wanneer skade kom en jy nie verseker het nie. Dis is ’n eie-versekering model. Dit verg dissipline, maar as voorbeeld kan jy die premie wat dit jou sou kos om te verseker, spaar per seisoen. As jy dan vir aaneenlopende seisoene nie skade kry nie, behoort jy ’n sterk fonds op te bou – iets soos jou eie versekeringsfonds. Dit is vanselfsprekend dat daar self goeie aktuariële modelle bestaan waar die boer dus ook met hierdie fonds van hom kan ‘boer.’ Dit is maar net een manier.

Die lank en kort is dat selfs met versekering, die boer moet kan oorleef en groot skade kan absorbeer. Versekering help daarmee, maar dan moet jy weet wat jy doen. Dit is juis wat hulle doen en hulle help so vêr hulle kan om dit te laat gebeur.

Ongelukkig staan die regering ook hier in die visier.  In ander dele van die wêreld, subsidieer daardie regerings hulle boere, ons weet dit. Ons weet ook dit gebeur nie hier nie, of altans; dit gebeur, maar slegs vir sekere van die projekte wat die regering aanpak., Die makro ekonomiese inpak daarvan is dat die boer vir alles moet betaal, maar ook die laagste prys kry wanneer sy oes gekoop word. Dis die slegte nuue vir ons boere. Alles raak duurder, boere se pryse raak laer en instede van hulp aan die boere, voer ons regering eerder tekorte in, eerder om sy eie boere te help om die tekorte op te maak en uit te boer.

Omdat alles dus baie duur is, kos dit baie geld om iets wat breek, reg te maak. ’n Oes wat verwoes is, moet teruggesit kan word of geld moet betaal word. Dit kos dan geld vir die versekeraar. Die versekeraars gebruik herversekeraars om hulle weer te help om groot eise te absorbeer. Hierdie groot manne soos Swiss en Munich RE, is internasionale maatskappye. Hulle risiko word globaal versprei. Groot rampe soos tsunamis wat Thailand tref, ’n orkaan wat Amerika seermaak en selfs die terroristedade wat in Parys plaasgevind het, het ‘n impak op lande se ekonomieë. Dit affekteer eerstens direk die mense wat verliese en skade gely het. Daarna affekteer dit die omgewing en so spiraal dit ondertoe. En wie betaal? Die versekeraars betaal. Hulle het regerings wat hand-aan-hand met hulle saamloop.

Om terug te kom na die derde wêreld realiteite van Suid-Afrika lyk die prentjie skielik donker. Droogtes, hael, swak paaie, dienste en korrupsie in die regering is alles negatiewe faktore. Hoekom sal enige groot versekeraar sy nek wil uitsteek en ‘n onnodige risiko loop in ons land? Maar risiko kan aanvaar word teen die regte prys. Hoër risiko beteken ‘n hoër premie.

Is ons regering bereid ons boere tegemoed te kom en subsidies instel? Ons tweifel baie sterk. Ons is maar almal op ons eie en ons maak maar planne om te oorleef.

 

 

37 thoughts on “angse haDie onlelstorm het ons boere seergemaak

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