How to Apply – Agro Consortium

To insure your crops or livestock simply follow these steps:

Select a cover here.
Download and fill out the proposal form.
Send the filled-out proposal form to info@aic.ug
A quotation will be prepared based on the values proposed.
Premiums will be collected by the insurer of your choice or paid to us directly.
The Government will help you pay part of your insurance premium.
For livestock, an authorized Vet will be appointed to assess the general condition of the animals/ birds.

For Crops, a post-germination assessment visit by an authorized agronomist is arranged, and a recommendation of the general farm condition is availed.
Reports are issued which are communicated to the client.
The value of your crops or livestock to be insured will be mutually agreed upon after the assessment.
In case of over/ under insurance as per quoted premium, the client is advised accordingly, following which a policy will be issued – the client is then fully on cover
An officer will return periodically to assess your farm through the season.

Monitoring for optimal growing conditions is done via satellite throughout the season to detect
any deviations from historical averages that would adversely affect yield production.
Yield losses are based on drought severity in an area.
Insured farmers are automatically compensated to the extent of average loss suffered by all
farmers in that sub-county.

Notify the Consortium or Insurer/Intermediary immediately loss occurs through written communication (Within 48 hours after occurrence).
If the crop is badly damaged before harvesting and no further care for it or harvest is expected, immediately notify the Consortium or Insurer/intermediary.
If the loss occurs after harvesting of the insured crop has started, notify the Consortium/Insurer/ Intermediary and leave at least 2 rows of the crop for the entire length of the field unharvested.Note: The fields should not be harvested before the Consortium gives consent.
Submit claim supporting documents to include;
– Claim forms
– Photographic evidence
– Any other supporting documents

A loss assessor is appointed to inspect the field and verify the loss.
Loss adjustment report will be provided by the loss assessor that will form the basis of compensation within 30 days depending on severity/complexity and size of the insured field
The client through the insurer will be provided with a Discharge Voucher indicating compensation amount and on acceptance of compensation amount and loss adjustment outcome, the client will duly sign the DV indicating to which account proceeds should be remitted.
Claim settlement/payment will immediately be done once the signed discharge Voucher is received by Consortium or insurer/ intermediary.

Notify the Consortium or Insurer/ Intermediary immediately of the death of insured animal due to an insured risk through written communication.
The client should invite veterinary personnel to conduct a post-mortem and fill out insurance claim form. The post-mortem report together with other supporting documents are to be submitted to the Consortium or Insurer.
Claim supporting documents are submitted to include:
– Claim forms
– Vaccination schedules and treatment offered
– Post-mortem report
– Photographic evidence
– Any other supporting documents

A loss assessor is appointed to inspect or verify the loss using documents tendered.
Loss adjustment report will be provided by the loss assessor that will form the basis of compensation
The client will be provided with a Discharge Voucher indicating compensation amount and on acceptance of compensation amount and loss adjustment outcome, the insured will duly sign the Discharge Voucher indicating to which account proceeds should be remitted.
Claim settlement/payment will immediately be done once the signed discharge Voucher is received by Consortium or insurer/ intermediary.