INSURANCE

Kubota Insurance – What Credit Score Is Needed ?

Any type of Kubota credit, whether it be finance or leasing, will be offered to an individual or not depending upon whether the credit agency involved and in this case Kubota as well deem the individual to be a suitable credit risk or not.

The process involved in establishing this is quite a complex one, although the end result often makes it seem slightly over simplistic.

This means that anyone who applies for credit of any type with any institution is effectively checked by a credit agency, of which nationally there are normally two or three.

They will do a thorough background check on the individual and their financial commitments and obligations and produce a report that assesses the credit agencies view of their financial suitability for credit.

The credit agency initially undertakes what is known as a credit report on the individual.

This involves collating a large amount of information relating to the individual’s personal history and their credit history.

The information collected with regard to their personal and life history relates to information such as their name, date of birth, their current and previous addresses, their current and previous telephone numbers.

Also collected information relates to their Social Insurance Number or their Social Security number, their drivers license and their passport. Information will also be collected concerning their current employment and all previous employment and any financial information that may stem from that area.

The credit agency will also collect information on the individual’s credit history.

CREDIT SCORE / CREDIT REPORT

This relates to a scan of public records for things such as bankruptcy.

Their banking history also be analysed including their level of overdrafts and whether they were authorised or not, whether any bank accounts have been closed due to lack of funds or overdrawn checks.

Any current and previous loans and mortgages will also be checked, specifically with a view to see how much was lined on whether it was appropriate and whether there were or are any problems regarding repayment terms.

Lines of credit will also be analysed to see what type of credit has been granted and in which specific areas. Also all types of credit cards and any store cards also be looked at along the same terms as well as any telephone or Internet payment problems.

Specifically there will also be a focus on what are known as pay day loan applications, which anecdotally are known to have an adverse affect on an individual’s credit score.

Once the credit agency has assembled this information relating to an individual’s personal life and their credit history they use the information to evaluate the individual and work out what they deem to be a credit score.

This credit score is essentially a single number, although it may be a triple digit number, that is set as a value between a range of two other numbers or values.

As an example, an individual may have a credit score of 50, set between a range of 1 and 100. this would indicate that the individual has an average credit rating.

In practice credit agencies use a much greater range of values as this gives them a much greater specificity of where to put the individuals credit score and accurately reflect their credit rating.

Credit agencies work out a credit score specifically on the basis of the history of the individual.

This applies to their payment history on all credit loans mortgages has been taken out, they use of available credit, their length of credit histories and what types of credit they had used.

A credit agency will also take into account the number of enquiries or credit applications that have been made and when they have been made.

After this process has been gone through, the credit agency will come up with a specific number that indicates their view of the creditworthiness of the individual.

This number will then be used by Kubota to decide whether or not to offer credit by way of finance and leasing to an individual, and if so on what terms and conditions.

Kubota may decide to offer credit to someone with a poor credit history but by increasing the size of the down payment and the interest rate charged to reflect a greater risk. Alternatively they may decide to deny credit, and suggest the individual seeks help elsewhere.

Many dealerships will also offer advice for people with poor or bad credit histories and some will have links to specific financial institutions who may be able to help.

A good dealer will go the extra mile to help an individual get credit when Kubota itself not able to offer credit because they view the individual to be a bad risk, but still want to sell them a tractor.

Farm Insurance and Agricultural Equipment Guide

Anyone who owns or rents a farm or a branch of any size or description, and effectively runs it as a commercial business, needs to have specific areas of insurance directly tailored to their needs.

A farm is essentially a mix of a home and a business, both in terms of buildings, plant and machinery, agricultural vehicles and in terms of workforce.

Specific risk assessments ideally need to be done on all areas of the business, in order to establish levels of risk and which ones are and are not covered by an insurance policy.

This is a general guide to some of the principles that may be helpful when assessing the need for farm insurance.

Farm Insurance – Buildings

As a farm or a ranch is both a home and a business, all buildings and all land including all outbuildings, whether used or not, and any area of land connected with the property at all needs to be included.

Farm Insurance – Crops

Some type of crop insurance may be essential. Check if there are any government schemes available first, and that check what type of risks your policy will cover you against, i.e. hail damage. This is one example

In a lot of insurance policies will offer some type of cover for damage of crops prior to harvesting, which effectively cause severe business interruption. Many policies will exclude cover once crops have been harvested and for various other reasons.

Farm Insurance – Engineering Insurance

Insurance against damage to plant and machinery is essential. Levels of cover differ.

There are normally limitations are stored is determined as plant. A pressure plant is normally defined as a plant that contains a boiler plant, a plant subjects to steam pressure and a plant used to contain fluids under pressure.

Make sure that storage tanks are also included. Also crucial to make sure that clearing up and spillage costs are included, as well as that of debris removal.

Farm Insurance – Deterioration of stock

This area of agents is designed to cover the value of stock that is damaged by risks such as a breakdown in a refrigeration unit or a temporary loss of access to public utilities such as water/electricity or gas resulting in damage to stock.

Makes sure the sums insured for the saleable value of the stock, otherwise under insurance will apply.

Farm insurance – livestock insurance

This type of insurance cover is normally restricted to two main areas, that of death or slaughter on humane grounds, when caused by an insured peril or theft.

The insurance company will normally insist on a strict ‘poultry warranty’ in the policy which stipulates checks on conditions in which poultry are kept, such as electricity supply, extraction systems, temperature variation and mains alarm systems and standby or backup generators.

Farm Insurance – Livestock in Transit

This is designed to cover the cost of livestock fatally injured in any motor accident.

There are likely to be local/national rules concerning the transportation of livestock, and you must make sure these are adhered to. Also make sure that insurance policy covers subcontractors, veterinarians fees and debris removal.

Farm Insurance – Livestock Herd Diseases

This is normally designed to cover you if livestock to be humanely destroyed as the direct result of a specific disease.

The diseases will normally listed or spelt out in the policy, and often include Tuberculosis, Brucellosis and Foot and Mouth.

Farm Insurance – Business Interruption

Any of the losses covered under a farm insurance policy can have a serious knock-on effect in terms of not simply making a business unprofitable, but of interrupting or stopping the business functioning at all for periods of time.

The insurance should provide some cover for this, but will be very specific in terms of what it deems business terminology

Farm insurance – Contractors All Risk Insurance

This area of the insurance policy is designed to give you maximum cover where you are effectively operating as a contractorEither on your own property, or on soils as property or anywhere within the specified geographical limits of the policy.

Farm Insurance – Goods in Transit

This is separate to livestock in transit, and is designed to provide cover for any goods that you may need to move around the locality or nationally, by the doing it yourself or with a subcontractor or haulier.

This area of insurance can be extremely expensive, simply because it is notoriously high risk. The insurance policy is likely to specify exactly what it considers to be high-risk items, and impose strict limits on the value and number of such items can be carried.

There are also likely to be stringent comments regarding security and anti theft measures regarding the goods.

Farm Insurance – Liability Insurance

The type and levels of liability joint required will vary significantly depending upon the nature of the farm and its business. There are a few general areas should be considered.

Farm Insurance –Employer liability.

It is important that as an employer you are fully aware yourself of any local national legal requirements concerning health and safety conditions at work, and make sure that these are fully implemented.

There are quite often specific conditions relating to a farm, as opposed to an industrial complex, and it is crucial is understood. On top of this, as an employer you will need to have specific employers liability insurance.

Make sure all employees including family are included and covered, as well as any subcontractors you might use.

Farm Insurance – Public and Products Liability

Public and product liability insurance often goes together.

The important thing to realise with product liability pretty is that you need to have it in relation to any goods that you have any connection with irrespective of whether you actually produce them are not.

This means that you need products liability insurance in relation to any goods that you store, repair, label test or process or you transport.

KUBOTA INSURANCE

Arranging insurance for a Kubota tractor can sometimes be done to an individual’s home owners insurance policy, depending upon the size of the tractor and whether it is being used for domestic or business purposes.

Insurance companies vary quite widely as to whether they will provide cover or not. Those that do provide cover all willing to extend a policy normally provide fairly restrictive coverage.

Normally a much better alternative is Kubota’s own dedicated website, which provides a much better and more inclusive range of insurance products, and will normally be a requirement of any credit arrangement made, either with Kubota credit or any other credit agency.

Kubota Insurance – Cover

Kubota’s website gives a brief indication of the type of perils it will insure against :

Theft

Fire

Glass Breakage

Falling Objects

Collision

Hail

Tornado

Hurricane

Flood

Vandalism

Roll-Over (upset)

Earthquake

Water Damage

This is a fairly generalised list, but should give an indication of the type of cover that is available.

Kubota Insurance – Risk assessment

Anyone owning a Kubota tractor would do well to do a risk assessment of their home and environment, whether as a formal or an informal process.

Anyone who uses a Kubota tractor simply as a domestic vehicle will have different risks and therefore different insurance requirements to someone who uses a Kubota Tractor in any type of commercial setting.

Any risk assessment of a Kubota tractor for insurance purposes would do well to focus on certain areas of operation, mainly the cost of replacement cost of the tractor itself and public and employee liability, and make sure these risks are covered under the insurance policy itself.

Kubota Insurance – Specific policy areas :

Damage to or theft of the tractor and where it is located

Liability to the public

Liability to any employees if a commercial operation

Who is authorised to use the tractor

Where the tractor is authorised to be used, i.e. on privately owned land, on public roads and /or on neighbouring or adjacent farms

Trailers – what is specified as a trailer, i.e. an articulated trailer unit, what is not specified, and for usage and on what types of terrain the trailer is covered.

Whether the tractor is covered or not when it is in possession of a third party for purposes of servicing and repair, including transit thereof to any third party dealership or similar.

Goods in transit insurance – really important to know what is and is not covered on a domestic/commercial basis, this can affect general wear and tear of products, business interruption and certain aspects of any liability insurance policy.

Whether or not any legal protection costs are included in the policy

Whether or not tree filling or tree haulage is covered if appropriate

All accessories or attachments that are likely to be used on any Kubota tractor for any purpose or insured at all times.

Kubota Insurance – Tractor Safety

Kubota Tractor safety is a huge issue both in terms of any individual’s actual safety and in terms of risk assessment and subsequent insurance costs.

There are three main areas of safety that are key.

To make sure that any operative of the Kubota tractor has fully studied and understood the instruction manual that comes with the tractor, especially how to stop it in an emergency, and all the emergency procedures recommended by the manufacturer.

That any operative of the Kubota tractor is fully qualified and capable of driving an understanding of mechanics of the tractor.

This is especially important where a Kubota tractor is used either in a domestic setting or on a family farm, where there may be a temptation to let someone who is a younger member of the family use the vehicle.

Capability of driving any type of Kubota tractor should be carefully assessed and if in doubt as to what age is appropriate check with the manufacturer or local law enforcement.

The Kubota tractor itself should always be fitted with a Roll Over Protective System (ROPS) and a seat belt which should be worn at all times.

On all modern Kubota tractor a ROPS will come as standard, but may not be fitted to some older models or Kubota tractors that were bought on the grey market.

Kubota Insurance – Accident Prevention

The main causes of accidents when using a Kubota tractor tend to be threefold.

The most common type of accident tends to happen when a Kubota tractor is being used too close to a verge or is being used at such an angle that the tractor becomes unstable and tips over.

A Kubota tractor should only ever be used on land that is relatively flat, and on land presents no possibility of the machine tipping over onto its side. A Kubota tractor should also never be driven backwards for the same reasons.

Another major cause of accidents is when the Kubota tractor hits an individual or object because the environment in which the tractor is being used has not been secured properly.

It is essential when using any type of tractor to make sure there are no individuals or noticeable objects that could come into contact with the tractor and cause damage or fatality to the individual or the tractor itself.

The other type of accident tends to happen when the operative of the tractor leaves the vehicle and either hasn’t turned it off properly or put it in its designated parking mode, resulting in some type of runaway tractor that can obviously cause immense damage.

Kubota Insurance and Farm Insurance

If a Kubota tractor is being used on a farm or ranch, or in any type of agricultural or commercial setting then it is possible that it will need to be included as part of an overall farm insurance policy.

When this is the case it is advisable to specify the tractor or tractors so they are listed individually, along with any attachments or implements associated with such tractors. It is also a good idea to list any manufacturers details as well.

Kubota Tractor Control Levers

There have been many attempts by manufacturers of all tractors including Kubota to standardise a number of the control mechanisms and levers that operate or allow an operator to use a Kubota tractor.

This standardisation applies to most modern day Kubota tractors, but care should be taken when operating an older version of a Kubota tractor to ensure that the controls are located in a manner that is understood by the operative of the tractor.

It is a golden rule when using any piece of machinery or operating any vehicle to fully understand the various controls that you need to be able to use. This is important both from a safety aspect, as well as from a simple point of view of be able to use the tractor effectively.

In order to do this a number of controls have been standardised. The brake control on a Kubota tractor, such as the Kubota B series B 2320 HST, will be a foot pedal, which will be located, or should be located on the right-hand side of the Kubota tractor.

In addition there may be a handbrake, which is a leader which would have to be pulled to be engaged, and could be located on either the left-hand or right-hand side of the Kubota tractor

Clutch control is normally by way of a foot pedal. This should be located on the left-hand side of the floor space underneath the steering column or steering wheel of the Kubota tractor.

It is possible that there is a hand operated clutch mechanism, and this may be located on either the right or left hand side of the Kubota tractor if a hand operated clutch is fitted, it must be moved towards the driver in order to be disengaged.

The control layout for floor pedals is similar to that used in a manual or stick shift automobile.

A power takeoff control system is most likely to be a hand operated system, and can be located on either side where the driver sits in the control system of the Kubota tractor.

Kubota Tractor Safety Symbols.

There are a number of symbols that are used throughout the tractor world to symbolise various functions and malfunctions of both the machinery and the operation of the tractor.

These will be fully covered in the operator’s manual or the owners manual of the Kubota tractor that you should have. Any symbol that is unclear to as to its meaning, or seems confusing, make sure you refer to the operator’s manual for clarification.

These are some of the more common symbols and their meaning that are used.

Diesel – there will be a symbol which is normally that of a gasoline pump with a big D in the middle you that the Kubota tractor uses diesel rather than gasoline. When refuelling the Kubota tractor make sure that diesel is used otherwise it could be a very expensive and costly mistake.

There will be a symbol of a man sitting on a chair a strap across his knees remind you to use the seatbelt, if fitted.

Most if not all current Kubota tractors should be fitted with a seatbelt which in conjunction with the rollover protective system is the most effective safety device available to be used which will Kubota tractor, such as the Kubota B series B 2320 HST. There is a temptation or tendency to dismiss a seat belt is being unnecessary.

This part is because of the misconception but a Kubota tractor does not do the speed normally associated with an automobile and therefore a seatbelt is not needed. A seatbelt is needed on a Kubota tractor for two reasons and should always be used. The first does relate to the speed of the Kubota tractor which whilst not matching that of an automobile can nevertheless get up to a significant speed level.

The other reason much more common, is that in the case of an overturn a very tight a seatbelt should help protect the driver of the operator from serious injury.

There will be the common symbol for alert, which is normally found in conjunction with another symbol such as that for the oil gauge. This, in addition with the ammatter symbols are designed to draw attention to the fact that there may be problems with the pressure operation.

If either of these lights come on you should stop the Kubota tractor immediately and seek advice as to how best to deal with the situation.

Kubota Tractor Control Systems

The control lever will work by being moved forward or upwards to engage and backwards or downwards to disengage.

There is a possibility of a combination clutch and PTO control. If this is fitted on a Kubota tractor it will be a foot operated combination which will be on the left-hand side of the floor space underneath the steering column. The operation will most likely be to move the pedal forward and possibly down as well to disengage the clutch and the PTO.

There is a possibility of a combination clutch and brake as well. If this is fitted to a Kubota tractor it will be a foot operated combination which again will also be on the left-hand side of the floor space underneath the exterior columnof a Kubota tractor, such as the Kubota B series B 2320 HST.

There is likely to be some type of control mechanism for regulating the speed of the engine of the Kubota tractor. This is likely to be a hand operated control and is likely to be situated on the right-hand side of the seat where the operator sits in the Kubota tractor.

It is possible that the speed control is also situated near the steering wheel. There can be a difference in terms of the direction the control needs to be moved in in order to increase or decrease the speed of the engine. In which case make sure that the operator of the Kubota tractor is clear about firstly where the engine speed control is, and in which direction it needs to be moved both increase and decrease the speed of the Kubota tractor.

There will be an engine stop control fitted on the Kubota tractor. If this is a key switch, it needs to be rotated anticlockwise in order to stop the engine. If it is more of a pool push control it must be located within 6 inches of the key switch. It will need to be pulled in order to stop the engine.

Kubota Tractors – Multitasking

The phrase multitasking has become commonplace, and is liked and disliked in equal measure by many people. It has a better meaning in an industrial or mechanical sense, and is actually an ideal phrase for understanding the nature and diversity of the work as a modern day Kubota tractor can do. It is not simply that a modern day Kubota tractor can do several tasks at once just for the fun of it because it is more productive.

It is actually in the nature of the work that a Kubota tractor is likely to do on a modern-day form a large area of land, that it is necessary, often vital to be able to manoeuvre several different tasks at the same time. The driver of a Kubota tractor will need to be able to control and use steering controls, shifting controls and use remote hydraulic controls at the same time.

This obviously depends to an extent on the nature of the task, but there are numerous examples where the work of a Kubota tractor will involve negotiating rough terrain or land, whilst engaged in the work that the Kubota tractor, such as the Kubota B series B 2320 HST, is being designed to do.

Over the years all contract manufacturers have tried to standardise as far as possible the type and colour of control needed for different functions within the instrument panel or control panel of the tractor.

As such, if you’re using a modern day Kubota tractor is likely to be standardised with other manufacturers by way of colour coding of various controls, and where those controls are located within the operating cab of the tractor.

Whilst this is true of many modern day tractors, it will not necessarily apply to older tractors which may well still be in use on many farms and agricultural holdings nowadays. It is important therefore when using any Kubota tractor or any tractor by any manufacturer to be clear as to the age and stability of the tractor.

Kubota Safety – Colour Coding

The instrument or control panel on a modern day tractor, including a Kubota tractor can seem almost overwhelming in terms of the number and nature of the controls. To aid in understanding how the Kubota tractor works there are a number of colour-coded systems that differentiate the various controls of the Kubota tractor, thereby making it easier to understand what they are various functions are in running and using the safe operation of a Kubota tractor.

These should be industry-standard colour-coded controls, but in any event check the operation of the Kubota tractor you are to use with an owners manual is available, if not then with an authorised dealer, or similar.

In the context of colour controls for the safe operation of a Kubota tractor, the colour yellow is designated for the various controls which operate and engaged mechanisms that use the tractor as a remote power source. These controls are often known as the PTO controls.

There are a significant number of different uses at a Kubota tractor can be engaged with, and some of these will use attachments or implements that need to be added onto the Kubota tractor before they can be used.

A number of examples are often given as to what colour-coded controls are on a tractor, including a Kubota tractor, such as the Kubota B series B 2320 HST, can be – these include PTO, cutter heads, feed roles, elevators and winches.

By far the most effective way of understanding the various controls of all colours on a Kubota tractor is to find one and play around with them. Playing around means using them and finding them and work out what their usage is with the tractor turned off and not in use. It is also a good idea if possible to find tractors made by other manufacturers and compare similar layouts and controls.

This might initially seem a bit confusing, but will actually give the owner or operator of a Kubota tractor a better felt understanding of the need for different controls, and how different manufacturers approach the layout. A Kubota tractor can vary by make and model from other manufacturers, and it is important for the operator or user of a Kubota tractor to familiarise themselves with the layout and functionality of the controls of the specific Kubota tractor that they will themselves be using.

Kubota command center

The instrument or control panel on any Kubota tractor can seem fairly daunting, as does the instrument or Control Panel on any modern day tractor. As with any piece of agricultural machinery, a modern day Kubota tractor will have a number of display units giving the driver of the Kubota tractor a huge amount of information about the safe and efficient operation of the tractor.

Most modern day tractors of all models have a number of colour-coded systems for identifying the groupings of controls that to certain functions on the tractor. This is an important safety feature, and means that it is easier for someone who has not used or not familiar with a Kubota tractor to identify what the various controls are and what they do.

Even with a colour-coded system, the various controls and control panel can seem quite daunting, and it is important that whoever is driving or operating the Kubota tractor understands what the various controls are and what they do.

The colour-coded system of controls on a Kubota tractor includes the colour orange. Orange is used as a colour to identify a number of controls that include the engine speed, the transmission controls, the parking brake and also the independent emergency brake. These are known in tractor speak as ground motions controls.

A Kubota tractor will be colour-coded if it is new or newish. Older models may not be colour-coded – as such should be carefully checked to see what the various controls are and what they do.

Colour coding is intended to make it easier for the driver of a tractor to automatically relate to certain mechanisms in the instrument panel of the Kubota tractor that are important to know.

The various braking mechanisms and controls that apply in a Kubota tractor are obviously important. Depending on the type and make of the Kubota tractor, it is likely to have both a handbrake and a foot brake or foot pedal. Its layout may well be similar to that of an automobile.

However it is important and ultimately the responsibility of the driver of the Kubota tractor to familiarise themselves with the layout of the cab of the Kubota tractor that they are using, and to know and understand where the various breaking control mechanisms are located.

Kubota Tractors – Emergency Procedures

One of the most important aspects of the safe operation of a Kubota tractor is knowing how to turn the engine off, both as a natural process and in the event of any emergency or hazard taking place.

This is important as the mechanism for shutting off the engine may differ slightly between diesel and gasoline engine tractors, and between modern day and much older Kubota tractors.

Many Kubota tractors are old, simply because many tractors are old.

They tend to last a long time, partly because they are built to, partly because they are expensive both both to and replace, and because people who own a Kubota tractor often take time to find out what is wrong with them and do the maintenance and servicing of older Kubota tractors themselves.

This is an important distinction to make, because the controls for stopping an engine on a modern day Kubota tractor will be a colour-coded red, whereas on older Kubota tractors they may not be.

If you are an owner or operator of an older Kubota tractor that is not colour-coded, then you will need to familiarise yourself with the various control mechanisms for stopping the engine on a Kubota tractor.

Unsurprisingly red is the colour code for the controls that apply to stopping the engine on modern day Kubota tractors that are colour-coded.

There are a number of different possibilities depending on the type of Kubota tractor you own, and it is important to familiarise yourself with the specifics of what the control mechanisms are as outlined in the operator’s manual of the Kubota tractor.

As a general rule on gasoline engines, there are red letters on the key switch. On a diesel engine that is likely to be a red fuel shut-off switch. It is important to remember that on most diesel engines they are stopped with the fuel shut off switch marked by the ignition key.

Some newer diesel engines are also stopped by turning the key in a anti clockwise direction to the off position. It is important to recognise that these are general statements, and it is important to check the specific functioning of your Kubota tractor in order to determine precisely what the mechanisms and controls are for stopping the engine. You need to know this in advance of having to do it.