Dont understand Canadian Crop Insurance

[charliep]

I miss lead everyone on the comment on variable price option in Saskatchewan. Deadline was the same as crop insurance - March 31.

See the SCI general publication.

[URL="http://www.saskcropinsurance.com/cropinsurance/publications/guide01_e.pdf"]SCI general publication[/URL]

[riders2010]

Yes Charlie to reflect your farm is what they say the program does but it doesn't that is what the problem is. People are almost brainwashed into thinking this is the only way to do insurance it isn't. There is the max of 80% so right off the top not insuring the value of what you grow.

We had 2005 2006 part of 2007 flooding 2010 flooding and likely 2011 flooding yields that are supposed to be 1 in 50 years events, or what ever, so we have had 4 events that are supposed to happen over 200 years happen in 6 years. and crap insurance punishes your yields for it.

Point is if you compare it to car insurance what they are doing is saying your car was totalled last year the year before it was 30000 so now we can only insure your present 30000 car for 15000 at maximum 80% or 12000. Mallee can insure his 30000 car every year for 30000 as I understand what he said above. Their would be riots in the street if sgi operated like crap insurance.

As I understand it mallee can simply pick his coverage based on what is in the field, what he can actually grow, how simple no paper shuffle for 10 years back. The experts here tell us it can't be done, you know why because we don't need all them jobs, that's why.

Get rid of crap insurance the money saved on wages and severence and retirement will go a long way to pay for that program. No guessing what is in the bin or on the piles, no one hiding grain across the road, no outrageous administration.

Have some sort of agri income program on top of that if you want to catch a few that might fall through the weather program cracks. So much simpler.

There is no way someone can say that when you are seeding after june 1 even, that the level of coverage is not gonna effect seeding intentions. In the situation where you are likely to freeze out in the fall , if you don't seed the highest coverage and loose your crop, you shouldn't be farming or won't be for long.

[charliep]

Have been discussions in Alberta on your idea. Insure the cost side/revenue per acre versus income replacement. No traction to date.

[malleefarmer]

Forgot to add riders that insurance is based on a pre harvest estimate of yields then a revision closer to harvest,if you get yields wrong bad luck,then there is programme on total tonnes delivered.

There is no point putting a inflated price on the grain as its dead money if you dont claim.

Ive claimed 2 times since 1980.Many farmers do not insure

[stubblejumper]

It is also tax deductable in canada

[riders2010]

Wow what a selling point it better be a fricken tax deduction it has become as big an input as a good chunk of fertilizer and more than the cost of chemical. 2000 acre farm 56,000 crop is shit. Thanks so much Saskatchewan Party Government, maybe go to Sun news and tell us how good that tax break is gonna feel, better come with a bottle of vasalene because are asses are raw, there must be some hot dic-s in the sk ag department.

[riders2010]

You know Rider, you actually had some good points and valid arguements through out this post

But then you spoiled it by your last one

[riders2010]

More than frustrating when your ag dep gets on tv and they say they are helping flooded areas particularly when double premium and half coverage, and the only way to get inputs loan is if you have crap insurance. don't forget we already forgo 20% of coverage right off the top in a claim year so behind the eight ball going into next year already. Premium is a huge worry instead of something that should make you sleep better.

Kinda funny an NDP (stubblehumper) with ties to the program maybe is a manager there, gets on and defends these faults when a Sask Party coalition of reform and liberals is in government. Sask party tells us guys previously we are gonna fix this because the NDP didn't know how to. Looks like either Sask party is run by NDP or they don't know better themselves, either way DON'T COME OUT FOR A PHOTO OP AND SAY ONE THING, (They agreed 100% when we brought these issues up and wham when we got our crap insurance sign-up holy crap) THEN WHEN YOU LEAVE GIVE US THE FINGER!

Wonder what the liberals in the sask party think when Wall puts his nose in federal politics criticizing coalition when he wouldn't have had a sniff at premier if it wasn't for the more middle political liberals joining the party and forming a coalition, nothing like having your leader laugh in your face, turn the knife in the back eh!!!!!lol

Moderators go ahead remove the last post that offends sask99, but really should have asked for 2 bottles of vaseline instead of one!

[riders2010]

Charlie, could you tell me possible reasons why in Alberta you have as I understand it until end of April to select your crop insurance in sk we have to do it end of March? Kinda goofy since many or your producers on a normal year are almost done seeding when they can decide to have crop insurance or not. That is a huge factor for us. If I knew I could seed may 10 I'd tell them to stick it and so would alot of other guys here, but maybe that's it.

What is the participation rate there in terms of acres seeded and provincial acres?

[ajl]

Riders 2010 does capture the reality of
crap insurance. This exact senario
happened to me in 2010. Had a good crop
till hail took about half of it July
31/10. The crop harvested was 100% of
area average which paid nothing and then
there was a big premium bill due which
made the loss bigger.