Conclusions and Recommendations - Analysis of the Influencing Factors on the Farmers’ Take-up

Analysis of the Influencing Factors on the Farmers’ Take-up of Greenhouse Agricultural Insurance Cover: A Case Study

5. Conclusions and Recommendations

Analysis of the Influencing Factors on the Farmers’ Take-up of Greenhouse Agricultural Insurance Cover: A Case Study

E. Ozen, S. Grima

31 relevant fields should be covered by the insurance; (5) to register all greenhouses on the FRS system (6) to revise the state disaster relief for farmers; (7) to provide continuous trainings to farmers.

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Analysis of the Influencing Factors on the Farmers’ Take-up of Greenhouse Agricultural Insurance Cover: A Case Study

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Annex: Survey

Variables Statements

1 Attitude 1 Tarsim Insurance is cheaper.

2 Attitude 2 Not many formalities are required to obtain Tarsim cover.

3 Attitude 3 Tarsim Insurance cover is easily obtained and quick.

4 Attitude 4 The guidance of the Tarsim officials increases my willingness to take on a Tarsim insurance.

5 Attitude 5 Tarsim meets all claims for damages as set out in the agreement.

6 Attitude 6 Tarsim has a wide and flexible scope, which can respond to various types of agricultural insurance requirements.

7 Attitude 7 Insurance experts are able to solve problems and act fairly.

8 Positivity 1 Farmers are able to market their products well.

9 Positivity 2 Farmers have sufficient technological tools to ensure a better crop.

10 Positivity 3 Labour costs are reasonable.

11 Positivity 4 Our products are sold at good rates.

12 Reason 1 A high risk of climate-related damage in the future increases my desire to insure.

13 Reason 2 The support and execution of Tarsim by the state increases my desire to take up insurance cover.

14 Reason 3 Natural events such as storm damage to the products increase my desire take up insurance cover.

15 Reason 4 The partial coverage of Tarsim premiums by the government increases my desire take up insurance cover.

16 Obstacle 1 Land rent is an obstacle to the take up of Tarsim insurance cover.

17 Obstacle 2 The lack of technical knowledge about agricultural insurance is an obstacle to the take up of Tarsim insurance cover.

18 Obstacle 3 Inadequate calculation and accounting information related to insurance is an obstacle to the take up of Tarsim insurance cover.

19 Obstacle 4 The lack of money / financial resources is an obstacle to the take up of Tarsim insurance cover.

20 Obstacle 5 Failure to introduce Tarsim insurance is an obstacle to the take up of Tarsim insurance cover.

21 Obstacle 6 The possibility of damage payments being irregular/insufficient

E. Ozen, S. Grima

33 is an obstacle to the take up of Tarsim insurance cover

22 Obstacle 7 The high premiums are an obstacle to the take up of Tarsim insurance cover.

23 Obstacle 8 The complexity of legal procedures in the insurance process is an obstacle to the take up of Tarsim insurance cover

24 Obstacle 9 Having legal problems with the title deed is an obstacle to the take up of Tarsim insurance cover.

25 Facilitating 1 Help by institutions such as the chamber of agriculture in fulfilling some legal procedures would increase my desire to take up Tarsim insurance cover.

26 Facilitating 2 Lower insurance premiums would increase my desire to take up Tarsim insurance cover.

27 Facilitating 3 Fairer insurance institutions would increase my desire to take up Tarsim insurance cover.

28 Facilitating 4 Collaboration with local institutions such as the chamber of agriculture would increase my desire to take up Tarsim insurance cover.

29 Facilitating 5 Improving the scope of insurance products to meet the needs of the farmer would increase my desire to take up Tarsim insurance cover.

30 Advisory Service The establishment of a farmer advisory centre to help with listening to, solving problems and lobbying between the government, insurance firms and the farmers would increase my desire to take up Tarsim insurance cover.

31 Intention I'm thinking about taking up a Tarsim Insurance cover next year 32- Have you had any damages in the last 3 years due to Rain-Tornado etc? No ( ), Yes ( )

33- Do you currently have a Tarsim insurance cover? No ( ), Yes ( )

34- Did you get Tarsim insurance cover in the last 3 years? No ( ), Yes ( )

35- In which age group do you fit a-) 18-30 (….) b-) 31-45 (….) c-) 46-60 (….) d-) 61+ (….)

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