8


FUW INSURANCE SERVICES L TD


Th e Imp rtan farm mach in in ectio s


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Do you have an insurance related question? Ask FUWIS Account Executive Dafydd - he’s here to help


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Y TIR ceo DearDafydd


rd alotaout the term “Insura Interest”a


vealwa s Insura se explain wha nce “Ja t it mea


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by Tony Su ccamore ACII, FUWIS OperationsManager AGRICULTURE has the poorest record of any industry in Britain. Statistics show that 3 3 people were killed in agriculture across Britain in 2 0 1 7 /1 8 ‐ around 1 8 times higher than the all industry fatal injury rate. Every year, people are killed or injured on farms because of poorly


maintained, defective or inappropriately usedmachinery and equipment. All businesses,


including farms, share the same statutory


responsibilities, to ensure that the equipment they use is safe and systems of work adequate. FUWInsurance Services is able to arrange on‐ site inspections of farm machinery that satisfy regulatory requirements.


The regulations that apply and farmers need to be aware of are: LOLER ‐ The Lifting Operations and Lifting Equipment Regulations (1 9 9 8 ) PUWER ‐ Provision and Use ofWork Equipment Regulations (1 9 9 8 ) PSSR ‐ Pressure Systems Safety Regulations COSHH ‐ Control of Substances Hazardous to Health


Taking each regulation in order: LOLER ‐ Equipment coming within the scope of this includes: • Tractor fore‐end loaders, fork‐lift trucks and telescopic handlers (telehandlers); •Workshop hoists and rope hoists; • Cranes on machines (e.g. on lorries or fertiliser spreaders); and • Lifting attachments and accessories.


Nobody should ever be lifted in a Telehandler bucket, in a potato box, on the forks of a fork lift truck or similar attachment, to carry out work or


Farmplus


MANUFACTURER OF TIMBER BUILDINGS Timber buildings


Natural products from renewable resources. Caring for the environment.


3 BAY MONOPITCH as shown 45ft x 17ft x 10ft 6in, eaves


£5,000 + VAT delivered


Many other options available


FARMPLUS SHAY LANE, LONGRIDGE, PRESTON PR3 3BT Tel: 01772 785252 www.farmplus.co.uk


used as a means of access e.g. to get onto the roof of a building or bale stack. Thorough examination is to protect both operators and


other people in the vicinity of lifting operations who may be at risk if the lifting equipment suddenly fails. Equipment which lifts loads over, or in close proximity to people, should be thoroughly examined.


PUWER ‐ Equipment subject to this regulation includes: • hammers, knives, ladders, drilling machines • power presses, circular saws, photocopiers, kettles • hole punches, dumper trucks, trailers, log splitters motor vehicles etc, • In fact “Anything that is deemed to beWork Equipment”


PSSR ‐ deals with “Any machine that works with stored pressure” • Air Receivers, Steam Boilers, Autoclaves, Coffee Boilers •Water Heaters, Steam Jacketed Pans,Milking Parlours


COSHH ‐ covers “Anything that removes harmful particulates from the working environment.”


Any machine that causes Dusty or fume‐laden air can cause lung diseases, e.g. in welders, quarry workers or woodworkers, Foundry workers and any form of work that involves paint spraying. People who work in grain silos also fall into this category. Farmers are being told they must pay closer attention to


how they manage workplace risk or face serious penalties. The Health and Safety Executive (HSE) will shortly begin a


programme of inspections reviewing health and safety standards on farms across the country. The inspections will ensure those responsible for protecting


themselves and workers are doing the right things to comply with the law and prevent death, injury and ill‐health. If they are not HSE will not hesitate to use enforcement to bring about improvements. Throughout the inspection initiative, inspectors will be


checking that risks are being controlled in specific areas including: •Machinery • Falls from height • Children • Livestock The initiative follows a series of compliance events that were developed as a result of research into farmer’s attitudes to risk and aimed at changing behaviours in the industry. Farmers in our area were given the opportunity to attend


one of these events, paid for by HSE, to help them comply with the law and prepare for their inspections. HSE is now following up tomake sure that all farms in the area are doing the right thing.


Insurable interest is the basis of all insurance policies. Insurable interest is the financial interest in the ‘subject matter’ of the insurance ‐ that is you must own, or contractually, have a financial interest in the ‘thing’ that is insured. If the ‘subject matter’ is damaged, lost or destroyed you, the insured, suffer financially from its loss. To exercise insurable interest, the policyholder must be able to demonstrate that the subject matter exists and that they will benefit from its continued existence and will suffer financially by its loss. Very simply, you cannot insure something that you do not own or have a financial interest in. A finance company may have an insurable interest in a vehicle if they helped pay for the purchase and any claim settlement can be made directly to the finance company in the event of a total loss.


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you were driving aroa ut I thoug ht this wa not needed now, I pla for holida


er yea g o talkaoutag reen ca b d b


t isa rsa


nce “Green Ca b


n to visit southern Irela nd ys this summer, do I require one?


If or when the UK leaves the EU following Brexit, it’s highly likely that UK residents driving on the Continent will need an insurance green card. A motor insurance green card is a document produced by car insurers to prove that a driver has adequate insurance cover for driving abroad. Please check with your insurance executive well before travelling abroad who will advise accordingly.


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nies?


An agricultural quad bike used on the road or in a public place must be registered and licensed for road use and must have a number plate and third party insurance. It will also need lights if it’s being used on the road after dark. This includes country lanes and travelling from one field to another on any public highway. A public footpath crossing your land can be considered a ‘public place’ even if your quad never goes onto the public road. Registering your quad gives you the added advantage that its details are recorded on the DVLA database and a V5 is issued which makes disposing of a stolen quad just a little more difficult for the thief.


All the above are gu idelines, contact you r FUW Insu rance Agent for a more in‐depth answers.


Send me your questions: ytir@fuw.org.uk


or via post to: FUWIS, 1 5 Watling


Street, Llanrwst, Sir Conwy, LL2 6 0 LS by May 2 4


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