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Rural Sector

Farmers Insurance

Farmers Package Shield

Royal Sundaram - Redefining Protection:  Royal Sundaram, India's first private non-life insurance company, is backed by Sundaram Finance, India's leading financial services company and Royal & SunAlliance, UK. Royal Sundaram aims at providing quality insurance packages specially customised for the rural and social sectors - with a vision to be India's 'First Choice' General Insurer.

Royal Sundaram's Farmer's Package Shield has been evolved for the benefit of farmers. It is designed with a view to provide a comprehensive insurance package (personal and property) under one policy according to their needs. It is applicable to all types of farmers engaged in agricultural activities.

Advantage Farmers Package Shield

This package policy offers the flexibility to choose from six different sections and work out the coverage on the basis of the farmer's requirements.

Section I - Cover for dwelling and contents
Provides cover for dwelling and farm produce against fire & allied perils (fire, lightning, explosion/implosion, riot, strike, malicious damage, terrorism, storm, cyclone, typhoon, tempest, tornado, flood & inundation and earthquake).

Section II - Cover for household contents and valuables
Covers loss of or damage to the insured''s property (household contents and valuables kept in the premises) caused by burglary or housebreaking.

Section III - Personal accident cover
Covers the insured and his/her family members against death due to injury arising out of an accident. The sum opted for will be paid to the nominee or the legal heir of the deceased person. It also provides for reimbursement of hospitalisation expenses arising out of an accident, up to a limit of 10% of the sum insured set against each person

Section IV - Cover for the pumpset
Provides cover against loss of or damage to the pumpset belonging to the farmer due to fire & allied perils including riot, strike, malicious damage, terrorism, storm, cyclone and flood & inundation. It also covers loss of pumpset by burglary. The unique advantage is the reimbursement of actual expenses incurred due to mechanical/electrical breakdown including burnt coils.

Section V - Cover for TV sets
Covers loss of or damage to television sets due to fire, natural calamities, burglary/theft and accidental damage including electrical breakdown.

Section VI - Cover for tractor
Covers loss of or damage to the insured's tractor or trailer caused by accidental reasons and also protects the farmers against the liability arising out of use of the tractor and/or trailer in respect of death or bodily injury to third parties and damage to property of the third parties in compliance with the requirements of the Motor Vehicles Act. The sum insured is as per the Insured''s Declared Value (IDV) and the premium is as per motor tariff.

Value for Money

When the farmer opts for more than three sections in the policy, discounts on the premium ranging from 5% to 15% are applicable on non-tariff sections.

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