Personal advice:
The compulsory insurance is purchased by the state. For some commercial insurance, we must learn to distinguish carefully. If you want to buy it, you must understand the difference between them. For mutual insurance of agricultural machinery, it is not necessary to buy compulsory. Farmers are poor and have low incomes. Many farmers are in debt to buy agricultural machinery. If you want to apply for mutual insurance, you must comply with the corresponding terms. There is a psychological contrast between the purchase subsidy of agricultural machinery and the individual payment of farmers, which is also very serious. If there is a corresponding purchase demand, you can also go directly to the local insurance company for consultation. The healthy development of agricultural machinery safety mutual insurance is related to the normal use of agricultural machinery, the income increase of agricultural machinery households and the harmony and stability of rural areas.
Extended data:
Insurance mode of agricultural machinery insurance;
First, the joint insurance mechanism. That is, agriculture and agricultural machinery insurance companies, agricultural machinery production enterprises, agricultural machinery supervision departments, and agricultural machinery extension agencies should implement responsibilities, risks, and benefits, and organically combine the four advantages of risk compensation, product supply, supervision and management, and scientific and technological services.
Second, * * * has an insurance mechanism. On the basis of the joint insurance mechanism, promoting the * * * insurance mechanism can make full use of the original mass resources, expand the total number of target households, further reduce insurance accidents, reduce insurance costs and resolve business risks.
Third, mutual insurance mechanism. Mutual insurance mechanism refers to mutual insurance for self-protection of all participants, which is a mature and widely used insurance organization form in the world. The insured is dual (both the shareholder of the insurance company and the insured), so the mutual insurance company can flexibly adjust the insurance rate, thus effectively avoiding the problems such as spread loss and fee difference loss.
Fourth, the subsidy insurance mechanism. Conditional places can establish agricultural machinery insurance compensation mechanism and agricultural machinery insurance compensation fund. It is composed of local government, insurance company and insured, and the trinity gathers funds.