LIVESTOCK IN TRANSIT
POLICY
Underwritten by Western National Insurance
Company Limited
Reg No: 2004/0069
Western Livestock Insurance Policy
Operative Clause
In consideration of the payment of the premium by the Insured, Western National Insurance
Company Limited agrees to indemnify the Insured for any Loss sustained arising from an
Insured Event occurring during the period of insurance subject to the terms, exceptions,
conditions and limits of this policy.
Insured Event
Loss incurred by the Insured arising during Transit of animals to the abattoir and the
slaughter of animals at the abattoir caused by:
1. Unloading - Animals that escape during the unloading are
fully covered.
2. Accidents in transit - Transported animals are fully insured against
loss or damage. The truck and/or people are
however not covered.
3. Deaths in transit - Animals killed due to a vehicle accident while
In transit or when dead on arrival are covered
at an excess payment of 20% of the average
gross value of the consignment animals.
4. In transit and before slaughtering - Animals injured or killed for the sake of
humanity.
- Theft of the animal from the truck or trailer.
5. Carcass at the abattoir in respect of - Bruising (Code 55): where a carcass has been
entirely rejected due to bruising it is covered
at the excess payment of 20% of the average
gross value of the consignment animals.
- Illness or conditions of illness such as those
diagnosed during anti- or post-mortem
examinations at the abattoir and according to
the Large Stock as well as the Small Stock Post
and Ante Mortem Examination and
Compensation Payment schedules.
Definitions:
Loss means - the costs incurred by the Insured based on
daily rate determined by the abattoir and in
respect of the animals that are not
slaughtered the amounts stated on the
Benefit Schedule.
- the value of the dead or lost animals
Cover Period - the insurance begins at the time the gates
of the truck loading the Animals at the
Insured’s premises are closed until the
Slaughtering or grading of the Animals at the
abattoir
Animals - Animals insured in respect of this policy
are limited to Sheep/Cattle.
Premium - Premium is collected per freight on a
declaration basis and is based on the value
of the particular freight of stock. It is a
condition precedent to liability that this
insurance must be taken for at least a
continuous year and all freight must be
included in the declaration. Premium is
charged at 0.5% of the freight value and is
payable by the abattoir on behalf of the
Insured on settlement of the account of the
slaughtered animal(s) of the particular
freight of stock.
Insured The Insured is any Namibian producer who
Has applied for this insurance by
completing Western National Insurance
Company Limited’s Livestock In Transit
Schedule of Insurance agreement
indicating that this insurance is required.
EXCLUSIONS
This policy will not cover any Loss incurred resulting from:
1. Damages/ injuries to the truck or trailer or people involved in an accident.
2. Loss arising from malicious abuse.
3. Rejection due to heavy gestation.
4. Animals suffering from a perceptible illness upon reception as per attached list.
5. Additional costs due to problems encountered at the abattoir (caused by strikes,
slaughter, queues, etc.)
6. Deaths arising from problems encountered at the abattoir, such as strikes by employees
or a defect in the slaughter queue or too many quotas issued, are not covered.
a) In the case of a truck and/or trailer loaded beyond its fixed loading capacity, the
insurance shall not apply to the transport. Any other insurance (such as illness) shall
however still apply. It is the duty of the member or customer to ensure that the
truck is not overloaded. (Refer to regulations regarding the loading capacity and
Fanmeat regulations). Regulations applicable to Large Stock:
i. 150 – 200kg 1,0sqm
ii. 201 – 250kg 1,1sqm
iii. 251 – 300kg 1,2sqm
iv. 301 – 350kg 1,3sqm
v. 351 – 400kg 1,4sqm
vi. 400 – 450kg 1,5sqm
vii. Small Stock/Sheep 0.2sqm
b) In the case of Large and Small stock loaded together in one transportation unit, e.g.
trailer, truck, no loss shall be reimbursed.
c) Where bulls are loaded together with female cattle and /or oxen or Small stock or
calves or mature cattle together with calves, no loss shall be reimbursed. Reasonable
care must be taken at all times.
d) When more than one bull is loaded onto transportation unit e.g. trailer, truck, such
bull must be securely separated from other animals loaded onto the same
transportation unit.
CONDITIONS
1. A slaughter dispatch is to accompany all consignments.
2. Whenever a claim is paid out, the animal/carcass becomes the property of the
Insurer up to the point before it is taken delivery of at the abattoir.
3. Trucks must have slip-resistant floor coating.
4. Trucks must be fully road worthy and comply with the requirements regarding
loading capacity.
5. Precautions must be taken to ensure that no harmful substances such as diesel,
petrol, etc. are poured on the animals during their trip to the abattoir.
6. Western National Insurance Company Limited Livestock in Transit insurance policy
covers the Insured and not the carrier. The carrier remains responsible for shortages
and damages due to his behaviour or negligence.
7. Premiums are subject to revision by Western National Insurance Company Limited
on an ad hoc basis.
CLAIMS PROCEDURE
ADMINISTRATORS
In the event of a claim, contact the Administrators: Windhoek Livestock Auctioneers
Postal Address: PO Box 91079
Windhoek
Namibia
Physical Address: Dorper Street
Northern Industrial Area
Windhoek
Namibia
Contact Persons: Mr Chris Steenkamp
Tel: 081 124 0649
Mr Arne Strenger
Tel: 081 122 3313
__________________________________________________________________________
UNDERWRITERS
Western National Insurance Company Limited
(Reg no: 2004/0069)
Postal Address: PO Box 31366
Windhoek
Namibia
Contact Details: Lizette Theron
Tel: (061) 256 733
Fax: 088645325 / (061) 251 056
Email: lizettet@[Link]
LARGE STOCK AND ANTE MORTEM EXAMINATION AND
COMPENSATION PAYMENT BENEFIT SCHEDULE
MEATCO DISEASE & % PAYABLE % PAYABLE BY DESCRIPTION
CODE CONDITIONS FOR CATTLE INSURANCE
BY ABATTOIR
01 Degeneration/Wet 55 0 Due to chronic disease or malnutrition,
carcass organs/muscles degenerated
02* Anaemia 0 0 (Afr: Bloedarmoede – gevorderd) Due to
bleeding, endoparasites, or protozoal
disease-Babesiosis(Rooiwater)
03 Contamination 55 45 During the slaughter process by pus
(cutting into abscess)
04 Icterus 55 45 Either due to toxis plants affecting the
liver or due to disease like anaplasmosis
05 Uraemia 0 0 Due to acute kidney disease or
obstructions in the urinary system
06 Aktinomycosis 0 0 Bacterial disease affecting the bone
tissue (jaws, etc.)
07 Casedus Lymphadenitis 0 0 (Afr: Kaasagtige limpfknopontsteking)
Condemnation only if widespread.
Mainly found in small stock
08 Arthritis 55 45 (Afr: Gewrigsontsteking) Can be acute
with fever and septicaemia, mostly
localize
10 Metritis 55 45 (Afr: Baarmoederontsteking) Acute or
chronic (e.g. after calving)
11 Nephritis 55 45 (Afr: Nierontsteking) Seldom acute,
chronic cause of uraemia (Code 5)
12 Pericarditis 55 45 (Afr: Hartsakontsteking) If acute total
condemnation. Often due to foreign
body ex rumen
13 Peritonitis 55 45 (Afr: Buikvliesonsteking) Acute or
chronic
14 Pleuritis/Pleuricy 55 45 (Afr: Bors/Ribvliesontsteking) Acute or
chronic, with lungs affected
16 Pneumonia 55 45 (Afr: Longontsteking) Acute or chronic
or localized
17 Cysticercosis (see MA and NA NA (Afr: Masels) Parasitic larva
MC)
19 Parafilariasis 55 45 Subcutaneous parasite, causes
subcutaneous lesions/bleeding
20 Sarcosporidiosis 55 45 Parasitic desease, lesions similar to
Cysticercosis (Code 17)
21 Abscesses 55 45 Swollen area. Accumulating pus within a
body tissue
22* Pyaemia 0 0 (Afr: Etter Infeksie) Acute due to general
disease, fever
23* Septicaemia 0 0 (Afr: Bloedvegiftiging) Acute disease,
fever
24 Carcinoma 55 45 (Afr: Kwaadaardige gewas) Localized
25 Malanoma 55 45 (Afr: Gewas) Localized
26 Sarcanoma 55 45 (Afr: Gewas) Localized
27 Abn. Pigmentation 55 45 Due plants/feed stuffs/toxins
28 Melanosis 55 45 Dark pigmentation – seldom, localized
51 Abn. Odour 55 45 Due to feed or e.g. Ureamia
52 Anaplasmosis 0 0 (Afr: Galsiekte) Signs of acute illness and
fever – Anaemia
53* Babesiose 0 0 (Afr: Rooiwater) Acute disease, Anaemia
54 Besnoitiosis 0 0 (Afr: Olifantsiekte) – Seldom
Code 1 Bruising (Light) 100 0
Code 2 Bruising (Moderate) 90 10 (Afr: Kneusing) Localized.
Often due to incorrect transportation,
Code 3 Bruising (Heavy) 80 20 horn injuries, etc.
55 Bruising (Sides or Full 0 80
carcass)
56* Cachexia/Emaciation 0 0 (Afr: Uittering: Patalogiese vermaering)
A condition of weakness, chronic
generalized disease
61 Swine Erysipelas N/A N/A Acute disease
62* Fever 0 0 (Afr: Koors) Acute Disease
63 Gangrene/Necrosis 0 0 (Afr: Weefselvrot) Death and
decomposition of a part of body tissue –
Lesions which are septic.
64 Hyaditosis/Eccinococcosis 55 45 Parasitic disease due to tapeworms
causing cysts in internal organs – local
organ infections
65* Ketosis 0 0 Metabolic disease after calving
66* Immaturity 0 0 (Afr: Onrypheid) Unborn animals
67* Ineff. Bleeding 0 0 Fever: Animal dead or moribund
70 Lumpy Skin Disease 0 0 (Afr: Knopvelsiekte) Infectious disease,
often chronic or subclinical, with only
skin lesions
71 Sarcoptic Mange 0 0 (Afr: Bees-brandsiek) Parasitic disease
of the skin, leads to emaciation
72 Mastitis 0 0 (Afr: Uieronsteking) Acute – fever,
Septicaemia etc. Chronic – localized
74* Moribund 0 0 (Afr: Sterwend) Animals dying before
slaughter
76 Oedema 0 0 (Afr: Watersug) Pathological condition
due to chronic or parasitic disease
77 Omphalophlebitis 0 0 (Afr: Naelstringonsteking) Young
Animals
78 Over Scalding N/A N/A Over scalding in pigs
79* Black Quarter 0 0 (Afr: Sponssiekte) Infectious disease –
high fever
80 Scrotal Septicaemia 0 0 (Afr: Balonsteking) Localized
82 Tuberculosis 0 0 Chronic disease, specific regulations
apply
MA Measles Detained 90 0
MC Measles Condemned 0 90
29 Rigor 55 0 Karkasvestiging, koorsbewing
SMALL STOCK POST AND ANTE MORTEM EXAMINATION AND
COMPENSATION PAYMENT BENEFIT SCHEDULE
MEATCO DISEASE & % PAYABLE % PAYABLE BY DESCRIPTION
CODE CONDITIONS FOR CATTLE INSURANCE
BY ABATTOIR
01 Degeneration/Wet 0 0 Due to chronic disease or malnutrition,
carcass organs/muscles degenerated
02* Anaemia 0 0 (Afr: Bloedarmoede – gevorderd) Due to
bleeding, endoparasites, or protozoal
disease-Babesiosis(Rooiwater)
03 Contamination 0 100 During the slaughter process by pus
(cutting into abscess)
04 Icterus 0 100 Either due to toxis plants affecting the
liver or due to disease like anaplasmosis
05* Uraemia 0 0 Due to acute kidney disease or
obstructions in the urinary system
06 Aktinomycosis 0 0 Bacterial disease affecting the bone
tissue (jaws, etc.)
07 Casedus Lymphadenitis 0 0 (Afr: Kaasagtige limpfknopontsteking)
Condemnation only if widespread.
Mainly found in small stock
08 Arthritis 0 100 (Afr: Gewrigsontsteking) Can be acute
with fever and septicaemia, mostly
localize
10 Metritis 0 100 (Afr: Baarmoederontsteking) Acute or
chronic (e.g. after calving)
11 Nephritis 0 100 (Afr: Nierontsteking) Seldom acute,
chronic cause of uraemia (Code 5)
12 Pericarditis 0 100 (Afr: Hartsakontsteking) If acute total
condemnation. Often due to foreign
body ex rumen
13 Peritonitis 0 100 (Afr: Buikvliesonsteking) Acute or
chronic
14 Pleuritis/Pleuricy 0 100 (Afr: Bors/Ribvliesontsteking) Acute or
chronic, with lungs affected
16 Pneumonia 0 100 (Afr: Longontsteking) Acute or chronic
or localized
19 Parafilariasis 0 100 Subcutaneous parasite, causes
subcutaneous lesions/bleeding
20 Sarcosporidiosis 0 0 Parasitic desease, lesions similar to
Cysticercosis (Code 17)
21 Abscesses 0 100 Swollen area. Accumulating pus within a
body tissue
22* Pyaemia 0 0 (Afr: Etter Infeksie) Acute due to general
disease, fever
23* Septicaemia 0 0 (Afr: Bloedvegiftiging) Acute disease,
fever
24 Carcinoma 0 100 (Afr: Kwaadaardige gewas) Localized
25 Malanoma 0 100 (Afr: Gewas) Localized
26 Sarcanoma 0 100 (Afr: Gewas) Localized
27 Abn. Pigmentation 0 100 Due plants/feed stuffs/toxins
28 Melanosis 0 100 Dark pigmentation – seldom, localized
51 Abn. Odour 0 100 Due to feed or e.g. Ureamia
52* Anaplasmosis 0 0 (Afr: Galsiekte) Signs of acute illness and
fever – Anaemia
53* Babesiose 0 0 (Afr: Rooiwater) Acute disease, Anaemia
54 Besnoitiosis 0 0 (Afr: Olifantsiekte) – Seldom
55 Bruising (Sides or Full 0 80 (Afr: Kneusing) Localized.
carcass) Often due to incorrect transportation,
horn injuries, etc.
56* Cachexia/Emaciation 0 0 (Afr: Uittering: Patalogiese vermaering)
A condition of weakness, chronic
generalized disease
61 Swine Erysipelas N/A N/A Acute disease
62* Fever 0 0 (Afr: Koors) Acute Disease
63 Gangrene/Necrosis 0 0 (Afr: Weefselvrot) Death and
decomposition of a part of body tissue –
Lesions which are septic.
64 Hyaditosis/Eccinococcosis 0 0 Parasitic disease due to tapeworms
causing cysts in internal organs – local
organ infections
65* Ketosis 0 0 Metabolic disease after calving
66* Immaturity (Afr: Onrypheid) Unborn animals
67* Ineff. Bleeding 0 0 Fever: Animal dead or moribund
70 Lumpy Skin Disease 0 0 (Afr: Knopvelsiekte) Infectious disease,
often chronic or subclinical, with only
skin lesions
71 Sarcoptic Mange 0 0 (Afr: Bees-brandsiek) Parasitic disease
of the skin, leads to emaciation
72 Mastitis 0 0 (Afr: Uieronsteking) Acute – fever,
Septicaemia etc. Chronic – localized
74* Moribund 0 0 (Afr: Sterwend) Animals dying before
slaughter
76 Oedema 0 0 (Afr: Watersug) Pathological condition
due to chronic or parasitic disease
77 Omphalophlebitis 0 0 (Afr: Naelstringonsteking) Young
Animals
78 Over Scalding N/A N/A Over scalding in pigs
79* Black Quarter 0 0 (Afr: Sponssiekte) Infectious disease –
high fever
80 Scrotal Septicaemia 0 0 (Afr: Balonsteking) Localized
82 Tuberculosis 0 0 Chronic disease, specific regulations
apply
MA Measles Detained 0 0
MC Measles Condemned 0 0
29 Rigor Mortis 0 0 Karkasvestiging, koorsbewing
