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Mar 25, 2017 | 11:40
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Below is taken from the CWBA web site that compares Crop Insurance premiums in Manitoba and Saskatchewan GREAT CANADIAN GRAIN ROBBERY CWBAFACTS.CA
This was from 2015 you will note that a farmer in Saskatchewan was paying about $11.00 an acre more for Crop Insurance than a Manitoba farmer for identical coverage. This year farmer premiums increase dramatically. Where is this money going?
It should be noted that with premier Pallister now in charge in Manitoba premiums are now increasing dramatically as well.
THERE NEEDS TO BE A Full INVESTIGATION OF SASK CROP INSURANCE Where is the money going???
You will also note that the CWBA predicted that if Harper was reelected the plan was to end Crop Insurance This was in the works because the talk in Ottawa with farm organizations was "shouldn't the farmer be allowed to buy insurance". Ritz was quite open about this.
Crop Insurance is a federal Provincial program where premiums are agreed to by provinces and the federal government.
TAXING CROP INSURANCE IS CLEARLY A VIOLATION OF THE ACT AND AGREEMENT BETWEEN FARMERS PROVINCES AND FEDERAL GOVERNMENT
I am not aware of any other province taxing their farmers crop insurance and hail insurance premiums
FROM CWBA The End of Crop Insurance
Agriculture Minister Ritz is on record as saying farmers should buy their own crop insurance. Currently crop insurance premiums are split between the farmer, their Provincial and the Federal governments. We believe that the Harper conservatives want to privatize crop insurance.
Here are two crop insurance contracts from SK and MB for 80% coverage of 50/50 canola and RS wheat and excess moisture insurance:
$/acre Sk Farmer Sask Gov. & Ottawa Total
$20.16 $27.84 $48.00
$/acre Mb Farmer Mb Gov. & Ottawa Total
$11.68 $16.12 $27.80
Do you trust Ritz and Harper to keep using government money to support your crop insurance costs? Can you afford forty-eight thousand dollars or more in private crop insurance for every thousand acres you farm?
Ritz and Harper have already drastically changed the margin calculations for Agri-Stability to make it more difficult to trigger pay outs. The government contribution to Agri-Invest has also been slashed.
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Mar 25, 2017 | 12:02
2
Get on the phones to those pricks . Email them , make some noise .
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Mar 25, 2017 | 12:23
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I can tell you the difference in rates is mire than significant.
Never could get a answer. But since we re paying more. I want to know in fact demand to know.
Good point of topic.
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Mar 25, 2017 | 12:34
4
How are you coming up with those dollars per acre for ins. integrity? For 2017, with 80% coverage, my full premium for argentine canola is $3.97/acre, for red spring wht.- $4.50/acre ( MB.) What are some of you sask. farmers really paying for crop in.? Would like to know. ( at 50% coverage .73 and .79 cents per acre respectively. very cheap to stay in crop ins.)
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Mar 25, 2017 | 12:38
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You must be kidding us?
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Mar 25, 2017 | 12:44
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Is that hail insurance?
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Mar 25, 2017 | 12:44
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Total acres insured and total premium is 11.79 per acre at 70%
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Mar 25, 2017 | 12:51
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I'm talking straight crop ins. ( no hail ins.) does yours include hail ins. klause?
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Mar 25, 2017 | 12:58
9
We. Don't have hail insurance with our crop insurance do you?
Some guys I know are paying 17.00 acre for canola
Is that your overall average Klause or what crop
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Mar 25, 2017 | 12:58
10
Sask $11.70/acre for 70% and Mb $4.50 for 80%, am I reading this right? I have not been in Crop Insurance since 1986, Lentils have been my insurance and an on-farm business. Left the CWB that year too. Only wheat was feed wheat, no appetite for waiting for pittances to show up in the mail.Whenever the province grew a crappy crop, price went up and I was ready. Also hoarded Canary Seed waiting for the gravy train every now and then. 1994 was the only mega train for birdseed.
Sorry I got side-tracked. The point of my post was to ask if the price of Crop Insurance is that variable from province to province.
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Mar 25, 2017 | 13:02
11
 Originally Posted by stonepicker
How are you coming up with those dollars per acre for ins. integrity? For 2017, with 80% coverage, my full premium for argentine canola is $3.97/acre, for red spring wht.- $4.50/acre ( MB.) What are some of you sask. farmers really paying for crop in.? Would like to know. ( at 50% coverage .73 and .79 cents per acre respectively. very cheap to stay in crop ins.)
To compare premiums you have to know what your coverage is to make a comparison. So in SK I pay for canola on stubble $10.96 for $ 454 of coverage at 80%. That works out to $2.41 / $100 coverage or simpler I am paying 2.41% premium for crop ins on canola. For stubble wheat my premium at 80% is 2.35%. Keep in mind that my experience discount is at 50% so other farmers could be paying double or more for the same coverage.
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Mar 25, 2017 | 13:04
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Originally Posted by stonepicker
I'm talking straight crop ins. ( no hail ins.) does yours include hail ins. klause?
No that's straight crop insurance.
We have municipal hail and some private. Not counting any of those
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Mar 25, 2017 | 13:04
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Are you on 10 year average for
yields or area yields stone?
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Mar 25, 2017 | 13:07
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Originally Posted by the big wheel
We. Don't have hail insurance with our crop insurance do you?
Some guys I know are paying 17.00 acre for canola
Is that your overall average Klause or what crop
Average on all.
Oats wheat peas canola 20% 25% 25% 30% crop splits
Yes in mb you can buy hail additionally here in sk you can't
Premiums are twice as high here than mb for same dollar coverage.
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Mar 25, 2017 | 13:14
15
Well wtf????!?
Is going on here?????
An adjuster from here went to help one year with the flooding in manitoba he told me he wouldn't even tell
Me the difference in premiums and coverage because I'd lose it if he did.
He also said in saskatxhewa when they go for training it's all about how you catch the farmer doing something wrong to lower the payout, in manitoba you find ways in the rules to pay what's the payout supposed to be.
Well I think I *** gonna lose it.
Aren't these supposed to be funded the same?????
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Mar 25, 2017 | 13:24
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Holy shit, you guys got it cheap. I just checked mine, and even with a 26% experience discount I am still paying 5.5% for 80% Canola coverage.
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Mar 25, 2017 | 13:52
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Originally Posted by the big wheel
Are you on 10 year average for
yields or area yields stone?
There is a base avg. yield, also there's your ipi ( individual productivity index ) so if your growing above avg. crops, you get above avg. coverage. My premium for wht. with 267.26/acre coverage is $4.50/acre ( %80 coverage ) Imo that's a reasonable price to pay so that i could slide through a complete crop disaster with minimal effect. My premium discount is %20. As far as hail ins., i always go private. Hail ins. prem. last year averaged $4.41/acre ( $200. or $250./acre coverage ) can't find last years hail ins. contract, so not sure of coverage
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Mar 25, 2017 | 13:56
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Talked to a crop ins. adjuster a number of years ago and he said they were told to give the farmer the benefit of the doubt, but don't be santa claus.
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Mar 25, 2017 | 13:58
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We pay approx $11 /ac for $435 coverage on canola at 80% in sask , premium discount about 35 % i think
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Mar 25, 2017 | 14:09
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Originally Posted by stonepicker
There is a base avg. yield, also there's your ipi ( individual productivity index ) so if your growing above avg. crops, you get above avg. coverage. My premium for wht. with 267.26/acre coverage is $4.50/acre ( %80 coverage ) Imo that's a reasonable price to pay so that i could slide through a complete crop disaster with minimal effect. My premium discount is %20. As far as hail ins., i always go private. Hail ins. prem. last year averaged $4.41/acre ( $200. or $250./acre coverage ) can't find last years hail ins. contract, so not sure of coverage
So in MB if you take your experience discount off your paying a 2.1% premium for wheat.
In SK with my experience discount taken off I am paying a 3.7% premium for wheat.
My $ coverage was similar to yours. So what gives, that's a huge difference in premiums.
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Mar 25, 2017 | 14:21
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Originally Posted by caseih
We pay approx $11 /ac for $435 coverage on canola at 80% in sask , premium discount about 35 % i think
K, i pay $4.00 for $270. coverage, your coverage is %60 higher than mine, so if i could get $435. coverage ( which i can't ) my premium would be $6.40. i believe. Looks like you guys are paying through the nose!
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Mar 25, 2017 | 16:28
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Another thing stone
When is your deadline to make changes to your contract?
Alberta guys are partially done and can decide what insurance they want we re sitting here in march. It knowing if it will rain too much or not having to decide that
Frkn too wet program. Doesn't seem right
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Mar 25, 2017 | 16:29
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What are coverages and premiums in Alberta also? Would be appreciated.
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Mar 25, 2017 | 16:36
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You're paying 4 bucks plus for 270 coverage in canola we re paying 3.75 I think it is for 100 acre too wet which after all their deductions from what I hear never works out to 100 an acre.
Call me stupid but is this stupid or what?
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Mar 25, 2017 | 16:56
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Originally Posted by the big wheel
You're paying 4 bucks plus for 270 coverage in canola we re paying 3.75 I think it is for 100 acre too wet which after all their deductions from what I hear never works out to 100 an acre.
Call me stupid but is this stupid or what?
$3.97 for $268.77/acre coverage. To be exact. For 2017 we have till mar.31 to make changes. If you carry EMI ( excess moisture ins. ) that deadline is nov. 31 of prev. year to make changes. I carry EMI ( $100./acre ) with a 5% ded. ( which means if all 2,000 acres are too wet to seed, i'll get paid for 1,900 ) cost is $1.72/acre
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Mar 25, 2017 | 16:58
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here we go again,lying asshole wheatboarder, premiums have not skyrocketed in manitoba,u lying low scum wheatboarders are a waste of time listening to.and yet u are the pricks running this country.thats why im cashing in cause of scum like this.
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Mar 25, 2017 | 17:29
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Sorry to continue on but do you have a seeding intensity applied to your unseeded acres? For example if you were wet one year and didn't seed some acres those acres then cost you lost coverage the next year for unseeded or is it intended acres you planned on seeding?
I though the too wet thing was a universal program. We re paying over double the premium. CAnt understand it.
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Mar 25, 2017 | 17:47
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In mb i pay approx $10 per acre for 80% coverage including excess moisture, on a 5 year average yield. Mb doesnt provide flexibility on per bu price coverage, they set the value per bushel based on best guess. The Program works fine, havent collected anything in over 10 years, the last time was unseeded acreage payouts during a wet spring. Hail insurance is seperate, mb govt hail nsurance rates are competitive with private companies.
Last edited by MBgrower; Mar 26, 2017 at 07:50.
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Mar 25, 2017 | 17:54
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What kind of crops are those mb.? Sunflowers? potatoes?
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Mar 26, 2017 | 07:53
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Stonepicker, i had included my hail insurance costs in my previous post, my overall crop yield insurance at 80% coverage is $10 per acre for wheat oats canola soybeans. Hail insurance depending on crop, zone, and coverag rate can vary $4 to 10 per acre
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