Need advice on Implement Act

[hobbyfrmr]

I am buying a (used)combine tomorrow. The dealership is hammering me with life insurance and ingestion insurance. They sell life insurance or life and ingestion insurance but not ingestion insurance solo. Ultimately I dont care about that stuff, I want to be covered to this harvest in case I get a lemon. There was a thread waaay back about the Implement Act, and I am automatically covered for 3 (?) months from date of purchase. Basically I want to present that information in front of them instead of all this insurance BS. Any clarity on this issue would help.

[perfecho]

http://www1.agric.gov.ab.ca/$department/deptdocs.nsf/all/ofa2623?opendocument

[perfecho]

Looks like it does not cover used equipment.....good luck!

[TOM4CWB]

You can get your own 'ingestion insurance' from your farm broker... if you think the dealership offer is too much cost!

[hobbyfrmr]

Thank you for the internet weblink answer to my first question. Nice, quick and effective. Thank you for the second insight about personal insurance provider. I did call my farm insurance provider this morning. His rates were 40% less than what was being offered by the dealership. Salesman told me that the finance company (dealership) wants proof of insurance for the lifetime of the loan because it is a used combine. I can repsect that and I will use my regular insurance folks. I appreciate the help on short notice.

[TOM4CWB]

Hobbyfrmr,

If it is a Rotary... the most important part to check is the feeder house chain... inspect every link for cracks if it is not a new chain.

Make sure you have comparable deductables... and try to never use the insurance. If you don't swath and straight cut... a d****r header is the best protection for rock ingestion advoidance... with suspension adjustments set as light (so it will bounce over rocks etc.) as possible.

Also ask if you do have a problem... will they continue insuring your combine with the insurance... and if the cost will increase (and how much).