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Rural Plan

Select the insurance cover you require from a wide range of options.

Insurance cover you can tailor to suit your farm

Our rural insurance allows you to tailor a package to suit you - from hobby farmers to large farming operations and major primary producers.
  • Personalised service

    Our people are experienced insurance professionals who take the time to listen to what’s important to you and talk to you about your insurance options. That way you can choose the cover that suits your needs.

  • Flexibility to choose your insurance

    Choose from a range of different policies, covering a variety of risks. This approach gives you great flexibility as you can arrange your insurance to meet the needs of your farm.

  • Easy claims settlement

    If you ever have to make a claim, you can rest assured it will be handled by a dedicated claims officer who is on hand to provide a simple and timely claims process.

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Tailor a farm insurance package to suit you

We understand that every farm is different, so having a choice of covers when choosing insurance for your farm is important. WFI Rural Plan includes the following insurance policies:

  • Farm Property Damage

    Farm Property Damage

    Under this policy you can choose to insure various types of farm property. Farm buildings and other property can be insured on either a replacement or indemnity basis. A market value option is available for insured livestock and your farm produce can be covered for up to the amount you would have received had it been sold. You can also choose to insure your farm fencing, farm vehicles, grains, seeds, chemicals, fertilisers and hay.

    The Farm Property Damage policy includes the following additional benefits:

    • Additional working costs
    • Agistment costs or loss of agistment income
    • Cover for building materials while altering or adding to a farm building
    • Cover for contamination of milk
    • Demolition, clearing of debris, architects fees and the restoration of farm business records
    • Deterioration of farm produce
    • Repair or replacement of employees’ tools and equipment
    • Costs to investigate damage caused by the escape of liquid
    • Costs to produce a written farm business plan
    • Costs to restore to health, destroy for humane reasons, and remove and dispose of carcasses of insured livestock,working dogs and horses
    • Costs incurred to safeguard property from the imminent threat of fire
    • Legal costs
    • Mortgage discharge fees and charges
    • Costs to remove burnt out stumps and replace with seedlings
    • Professional fees incurred in connection with a tax audit

    The sum insured for farm buildings also includes extra costs you incur to comply with requirements of public authorities when rebuilding. If required, you have the option of increasing the insured value on many of the additional benefits.

    Please note that limits apply to the amount payable for an additional benefit. Refer to the Product Disclosure Statement for this information.

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    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Farm Loss of Income

    Farm Loss of Income

    This policy insures you against reduction of gross income to your farm business as a direct consequence of physical damage to farm property or death of livestock. The policy also covers additional expenditure reasonably incurred solely to avoid or diminish the reduction in gross income. You can also choose to insure damage to property at a supplier's or customer's premises.

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    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Farm General Property

    Farm General Property

    Various items of property can be insured against accidental loss, accidental damage and theft under the Farm General Property policy. This includes items such as augers, workshop tools, and farm produce.

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    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Farm Transit

    Farm Transit

    This policy insures your farm property or livestock against physical loss, physical damage or theft whilst in transit in Australia. The events covered include fire, lightning, explosion, collision or overturning of a transporting vehicle, and property or livestock accidentally falling from a vehicle.

    The sum insured under this policy also includes a benefit for the removal or destruction of farm property or livestock which has been damaged or destroyed. We will also pay up to $5,000 towards the temporary agistment of livestock to prevent them straying after certain events

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    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Farm Machinery Breakdown

    Farm Machinery Breakdown

    This policy can provide cover for the breakdown of machines and explosion or collapse of boilers, economisers or pressure vessels that you choose to insure. You can also choose to insure for deterioration of farm produce in cold storage where this is due to contamination by refrigerant, failure of the refrigeration process or failure of a power supply.

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    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Farm Electronic Equipment

    Farm Electronic Equipment

    This policy gives you the option to insure your electronic equipment, such as your computer, against accidental damage anywhere in Australia, as well as theft from a securely locked building, room or vehicle. As an additional benefit, items of electronic equipment purchased during the period of insurance will be automatically covered until your next policy renewal date.

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    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Farm Burglary and Theft

    Farm Burglary and Theft

    This policy insures your farm property and vehicles against burglary and theft that occurs at your farm. The Farm Burglary and Theft policy includes the following additional benefits:

    • Replacement of property stolen from an auctioneer’s store
    • Repair of damage to an insured farm building damaged by the burglary or theft
    • Repair or replacement of employees’ tools and equipment
    • Cover for money belonging to the farm which has been stolen or lost in certain circumstances
    • Recoding a lock or replacement of keys and locks
    • Restoration of farm business records
    • Temporary boarding up, protecting or safeguarding farm property
    • Cover for property temporarily removed from the farm

    Please note that limits apply to the amount payable for an additional benefit. Refer to the Product Disclosure Statement for this information.

    Request a Quote

    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Motor Vehicle

    Motor Vehicle

    We offer three different types of motor vehicle insurance to assist with both your private and business insurance needs. These include comprehensive insurance, fire theft and legal liability, and legal liability.

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    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Domestic Workers (WA Only)

    Domestic Workers (WA Only)

    WFI holds a Workers' Compensation insurance licence in Western Australia. WFI Rural Plan clients in WA can therefore select a Domestic Workers policy, which insures you against your legal liability to pay workers' compensation benefits and common law damages for negligence for an injury that occurs to a domestic worker during the period of insurance.

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    For full details, please refer to the Product Disclosure Statement

    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Classic Home

    Classic Home

    WFI also provides insurance cover for home and contents, caravans, and trailers. Read more about our home insurance.

    If you choose to insure your house and contents under this plan, flood insurance is included unless you choose to opt-out.

    Key fact sheets for our Classic Home and Standard home policies can be found in the important documents section below.

    Being underinsured is a big problem in Australia. You can use WFI's home building and contents calculators available on our website to get an estimate of how much cover you may need.

    Request a Quote
    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Standard Home

    Standard Home

    WFI also provides insurance cover for home and contents, caravans, and trailers. Read more about our home insurance.

    If you choose to insure your house and contents under this plan, flood insurance is included unless you choose to opt-out.

    Key fact sheets for our Classic Home and Standard home policies can be found in the important documents section below.

    Being underinsured is a big problem in Australia. You can use WFI's home building and contents calculators available on our website to get an estimate of how much cover you may need.

    Request a Quote
    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Personal Valuables

    Personal Valuables

    WFI also provides insurance cover for personal valuables. Read more about our personal valuables insurance.

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    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Pleasure Boat

    Pleasure Boat

    WFI also provides insurance cover for pleasure boats. Read more about our boat insurance.

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    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)
  • Personal Accident and Illness

    Personal Accident and Illness

    WFI also provides insurance cover for Personal Accident and Illness.

    Request a Quote
    WFI Rural Plan Product Disclosure Statement (pdf, 5.9 MB)

Product Details

Important Information

The information provided above is intended as a summary only and is subject to the terms & conditions of the policy. For full details of the cover, conditions and exclusions relating to WFI’s farm insurance please refer to the WFI Rural Plan Product Disclosure Statement (PDS).

If you are an existing policyholder, a previous version of the PDS may apply to your policy. Please contact WFI on 1300 934 934 for assistance.

Key Fact Sheets for home policies

Our Key Facts Sheets set out some of the events/risks covered and not covered by our home and content policies. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the PDS for more details.

 

Why choose WFI?
Over 90 years' experience
Leading farm insurer
Deal direct, from enquiry to claim
170 Area Managers across Australia
Tailor an insurance package to suit you

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Complete a quote request online to receive a call back from your local Area Manager or our friendly client service team.

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