Oesversekering

Oesversekering

Die versekering van oeste wat op die lande is, is ‘n ernstige saak. Die suksesvolle afhaal van ‘n oes op die lande en die lewering van die produk aan die markte of silo’s is die vrug op ‘n boer se arbeid. Die volle sirkel van risiko, bekommernisse, probleme en waagmoed is dan verby. Vanaf die aanplanttyd tot en met die afhaal en lewering van die oes kan lang tydperke – selfs etlike maande duur. In hierdie tyd moet die boer na baie dinge kyk. Hy kyk na sy insetkostes – dit is baie belangrik. Hy kyk na die weer – dit is ook belangrik, en hy kyk na onvoorsiene uitgawes wat maar altoos opduik. Die boer wil hierdie kostes so laag as moontlik hou want dit het ‘n direkte verband tot sy wins aan die einde van die oes. Dit is mos basies hoe die landbou-ekonomie werk.

Nadat ons met baie mense gepraat het wil mens oesversekering kortweg opsom as ‘n dobbelspel. Natuurlik is oesversekering duur – dit kos geld. Ons kom ook agter dat daar twee denkrigtings is. Een groep sê: ‘’n Ramp sal my nie tref nie”, terwyl ‘n ander groep meen dat indien ‘n ramp hulle tref, is dit verby en hulle wil nie kanse vat nie.

Ons het gevoel om ‘n bietjie meer hieromtrent te gaan uitvind en het toe by Cabous Coertze gaan aanklop. Versekeringsbestuurder van Obaro Makelaars – dit is hulle nuwe naam. Hy is al agt jaar in Brits en die ontvangs is baie vriendelik. Ons het spesifiek daar gaan aanklop want Obaro is ‘n integrale deel van ons omgewing se landbou. Daarbenewens is die topstruktuur van die maatskappy sterk verteenwoordig uit boere vanuit ons omgewing. Omtrent iets soortgelyk aan die Hartbeespoort Besproeiingsraad wat ook omtrent net uit boere bestaan. Ons kan mos gerus ontspanne in ‘landboutaal’ praat.

Daar is ‘n gerug dat die tabakboere van destyds skatryk geword het as gevolg van hael. Is dit waar? Cabous glimlag en sê: “Daaroor wil ek myself glad nie uitlaat nie, maar ons moet besef dat in ons moderne tyd van vandag finansiële dienste en landbou van die grootste industrieë in ons land is.” Hy noem dat dit destyds die beleid was dat ‘n boer van skade gedek is na twee dae van die polisdatum, maar dat dit in vandag se tyd verander het na hoofsaaklik sewe dae. Destyds kon ‘n boer moontlik hoor dat swaar weer oppad was, en dan vinnig die oes verseker. Dit is miskien hoe die gerug ontstaan het.

Die koring is nou hoofsaaklik van die lande af en dit raak nou soja- en mielietyd. Rondom koring verduidelik Cabous dat vanaf die planttyd, tradisioneel in Junie, die oes dadelik versekerbaar is en die polis effektief is op 7 dae na die polisdatum en gewoonlik op 45 dae betaalbaar is. In daardie tyd is rypskade aan die groeipunte die risiko. Oesverskering vir koring het hoofsaaklik drie elemente waarvan haeldekking die grootste is. Daarna is dit dekking teen brand en transito dekking. Dit beteken dat die koring gedek is teen skade wanneer dit in transito is in ‘n radius van 100 kilometer of na die naaste silo.

Sojas en mielies word nou geplant en dit is beter om die oeste so gou moontlik te verseker. Dieselfde scenario van 45 dae na die polisdatum, soos met koring, is ook hier van toepassing. In ons omgewing is daar min droëlande en dit kan ook verseker word. In die algemeen, wys Cabous daarop, dat dit in vandag se tye belangrik is om ernstig na versekering vir vloedskade te kyk. Met wisselende weerspatrone kan so ‘n ramp ‘n boer onverhoeds betrap.

Omrede ons baie groenteboere in ons omgewing het, is dit interessant om te hoor dat alhoewel daar groenteversekering bestaan, dit nie eintlik gebruik word nie. Tradisioneel is dit baie duur versekering.

Wanneer skade opgedoen is, is daar die geykte metode van taksasie om die omvang van die skade te bepaal. Die versekeraar doen dit. Indien die boer, wat skade gely het, ontevrede is met die taksasie is daar meganismes om ‘n hertaksering te doen. Ons kry die indruk dat die boere in die algemeen tevrede is met die wyse van skadebepaling.

Wat is die rede dat julle uitstaan in die mark? “Ons groep het enorme kundigheid en dit word aangewend tesame met ons beleid van ‘n holistiese benadering,” sê Cabous. “Ons is in lyn met die boer – dit is immers ons maatskappy se leuse. In kort kom dit daarop neer dat ons die boer se vriend is. Ons praat sy taal. Ons verstaan en weet wat sy finansiële behoeftes is. Dit gaan nie net oor versekering nie, maar ons dienste omvat die hele finansiële spektrum wat natuurlik ook aan risikobestuur gekoppel is.”

En hy gaan voort: “Ons het finansiële fasiliteite beskikbaar en benut dit optimaal. Dit behels aspekte soos finansiële oplossings, uitgestelde betaaltermes en dies meer. Ons help die boer, ons help hom om oor sy skouer te loer. Ons bemarking is gekoppel aan sensitiwiteit en niks word in die boer se keel afgedruk nie.” Dit is nogal ‘n bekvol – en ons glo hom.

Soos die gesprek klaarmaak noem Cabous dat hulle op hoogte is van tendense en het alle teenmaatreëls in plek. Daar is dinge soos brandversekering, versekering teen politieke oproer (met vandag se realiteite is dit iets om van kennis te neem), versekering van diere en eksotiese wild en so aan. Hou julle die boere ingelig hieroor? “Verseker.”

So met die uitstap voel mens lekker – dis lekker om na iemand te luister wat dit erns is met die belange van die boer.

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