The Hamon law, or Consumer law, came into force on March 17, 2014. It aims to Give more rights and power to the consumer, and to better inform it in several areas. Its decrees came into force little by little during 2014. There are still more to come, particularly concerning borrower insurance.

Cancel your insurance contract at any time

One of the most important and most anticipated concerns the cancellation of insurance. He entered in application as of January 1, 2015 (implementation decree no. 2014-1685 of December 29, 2014). So what is it all about?

>> CLICK HERE TO COMPARE INSURANCES <

This measure describes the terms of right to terminate your insurance contract at any time after one year of commitmentwithout reasons or additional costs, for all compulsory (and affinity) insurances.

Mandatory insurance is: car, motorcycle, and home (by tenants). The interest of the reform is to allow consumers to put insurers in greater competition, and thus to help them find the best offers for their contracts, particularly in terms of prices and services. The sustainable objective is to lower prices, by promoting competition.

» Compare car insurance
» Compare the insurance room
» Believe my personal recovery letter

One year of commitment after publication of the decree

According to the decree, this right is open to All contracts signed as of January 1, 2015. Previous contracts to this date were for the upcoming renewal, which began in 2015, after the declaration was published. In fact, it all depends on your subscription date. Some will wait until one to be able to cancel their contract, others will not wait at all. De facto, all car, motorcycle, room contracts they are not resilient at any point in the present. Let's illustrate this with an example, so that you know when you can apply your right and terminate your contracts at any time, without giving reasons.

>> CLICK HERE TO COMPARE INSURANCES <

You wrote your contract after January 1, 2015

You took out a car, home and motorcycle insurance contract on January 15, 2015. You did so I'm going to attend an engagementi.e. January 15, 2016, and from this date, you can reset at any time.

You wrote your contract after January 1, 2014

You requested a contract on January 15, 2014, the first anniversary is the last date of your renewal to date January 15, 2015, you can do it. already terminate your contracts car, motorcycle, multi-risk room now if you wish.

You drafted your contract before January 1, 2014

You wrote your car, motorcycle, MRH contract on November 15, 2013: you have had the contract for more than a year, but the last renewal date is indicated on this date as November 15, 2014, i.e. before the publication of the decree In the question. You will therefore need attend the tacit renewal of this yeari.e. November 15, 2015, before being able to cancel.

Affinity insurance?

The Hamon law also concerns affinity insurance. Affinity insurance, not compulsory, designates an extension of guarantee which covers a consumer good (smartphone, tablet, electrical appliance, etc.). The proposed law was a deadline of 14 days to relax insurance for which the insured would already be covered elsewhere, in order to avoid multiple insurance.

In France, this year, tractors are involved in 200 accidents, with consequences resulting in 200 deaths and 50 fatalities. ⁽¹⁾. And in this case, the victims, the most affected, are mainly the occupants of light vehicles. The increasing size and speed of tractors are aggravating factors. Wider and wider pneumatic supports make it easier for tractors to climb onto vehicle hoods and expose occupants. This observation is not specific to France. The results at European level are in the thousands. In other countries, not in Northern Europe (Germany, Belgium, Denmark, Great Britain, Netherlands, Sweden, etc.), there are some problems and we have seen the emergence of bumpers mounted on the lift before tractors. Particularly due to the high population density, the Netherlands is among the countries where these facilities are most democratized. The reason is not linked to regulations, but rather to a financial incentive from certain insurance companies or certain agricultural organizations. As a result, the number of deaths was reduced significantly, as was the severity of injuries. In the event of a frontal impact, due to the presence of the bumpers in front, the entire front of the car may be due to shock absorption. On the tractor side, the results are also positive. “At night, the behavior of automobiles changes with the brakes on the front lift, explains Hans Vercauteren, co-director of Easymass, which built the bumpers for the Dutch company Agribumper and distributes them in France. This equipment often has clearance lights. Thus, the motorist understands the width of the agricultural convoy, compared to a tractor of which only the high beams, close together on the grille, illuminate the front. With a pair of electric shocks, the driver goes faster and faster. »

In France, sales are good and confident and range from 100 to 200 pairs of shoes. “This appeals to certain visitors to the exhibitions, trust Aurélie Formont, marketing manager at Pateer. But the cost is often dissuasive. » The main French customers are agricultural work companies which share millimeters of kilometers with their tractors each year.

However, manufacturers do not lack ingenuity to make these tools interesting. Some models open a storage space to house tools and/or serve as a sledgehammer. In any case, it is a cost (bumper alone) or an additional cost of around 2,000 euros.

Pateer – Bumpy, the bumpers he absorbs

The Dutch company Pateer has a production site in Bruz, south of Rennes. Called Bumpy, these are 2.20 meter wide shock pairs and are built on the basis of a metal structure used to arm a polyethylene shock pair. This high-density polymer allows, depending on the equipment, to absorb energy and cushion shocks. Three ranges are offered. Weighing 200 kg, Bumpy Eco is applied to a simplified steel frame, offering easy and quick assembly on the lifting hooks with the labels. The Bumpy Premium includes a steel structure reinforced with two air cushions for cushioning and a housing for weighting mass (600 or 900 kg concrete mass). The Bumpy-B is applicable to a B Pateer cast iron with a mass of 600 or 900 kg.

As standard, these Bumpys have integrated lighting including LED working lights and position lights on each side of the bumper. As an option, they access the camera, the clearance rods for a better understanding of the width of the equipment, as well as the clearance lights.

A chain evolution includes a range compartment.

Agribumper – A pair of Dutch shocks made in France

If the company is Dutch, Agribumper will ensure manufacturing in Guignicourt (Aisne), at Easymass, which then distributes its products in France. Agribumper can mount its bumpers on tractors without or equipped with a lift. On the latter, the bumper can be fixed either on the lift, upstream of it, or at the base of the lift arms. In the last two cases, the equipment does not require the use of the front linkage and/or the front power take-off.

Agribumper mainly offers two ranges, Base-Line and Weight-Line, respectively 2.20 and 2.50 meters wide and weighing 350 kg and 400 kg. It is then possible to remove weights on the exterior parts and/or on the central part – this can block the use of the power take-off – in order to raise the stage to 1 ton on the Base-Line and 1, 6 Ton on the Weight-Line, while keeping the front linkage free.

Based on the Weight-Line, the Easy-line range combines shock torque with mass. Offered in quantities of 1 to 2.8 tonnes, with two shocks on the three points concerned.

These bumpers feature daytime running lights and marker rods as standard. Optional access to the toolbox and retroreflective devices.

Zuidberg – A variable width bumper

The Dutch Zuidberg offers three models, one called multifunction of 200 kg and two coupled with masses weighing 985 and 1,540 kg. Hitched on the three lifting points or on a quick coupling triangle, the multifunctional model has an integrated towing yoke and support feet, as well as an optional tool box.

All these bumpers receive retro-reflective markings, and, optionally, clearance rods and LED lights at each end. They have two sliding elements mounted on hinges on each side, with multiple positions, allowing the width to vary from 2.20 to 2.95 meters, depending on the size of the tractor.

Euromasse/Lestagri – A bumper with snow plow effect

The bumpers are built on the basis of Euromasse cast iron masses (800 to 2,850 kg) or Lestagri steel (600 to 2,000 kg). From the bottom of the mass, two movable shutters are adjustable in width (sliding elements) and angle. Gilbert Noguès, director of two French companies, advises to position the exterior elements with as much angle as possible, in order to slide the vehicle on the hill in the event of an impact, rather than taking it head-on. He also advises responding fully to both elements in the field, so that they do not interfere with headland maneuvers.

In fact, all these models are equipped with retroreflective devices, LED lights, light templates and stem templates.

Skip – A modular shock pair

Until now, the specialist in power take-offs and front lifts, imported into France by Verzeaux SARL, offered a range of front bumpers mounted on lifts. This is made up of a basic structure of a 250 kg pod, made up of a central element and two external elements mounted on joints allowing the angle and therefore the width of the bumper to be varied by 2 , 30 to 2.70 meters. . Finally, the bumpers have reflective plates, LED position lights and indicator lights visible behind the conduit post. On the central element, it is possible to fix it with 9 90 kg ballast plates, a refillable concrete container (600 kg ballast) or a tool box: the name of the 90 kg ballast plate These values ​​are limited to two. In its case, only three large 250 kg plates can be bolted from the bottom. The maximum total of pods then reaches 2.06 tonnes.

On the occasion of Agritechnica, the Sauter redefines are offered and are available in two versions L and XL, the first sensitively representing the characteristics mentioned above, with the exception of the width limited to 2.50 meters. Reinforced, the XL range offers a width of between 2.50 and 2.70 meters, a towing hook and can be ballasted up to 2.6 tonnes.

(1) Source: accident report from the Ministry of Transport.

The partial economy is digitalized in the agricultural world. He had already invented cooperatives for the use of agricultural equipment (Cuma), which make it possible to share the costs and use of machines. The future large region also has 1,720 of these cooperatives, with 46,000 farmer users.

Increasingly connected farmers

Here is now agri-mutual aid 3.0 . While we estimate between 25 and 30% for farmers using a smartphone for their daily work , the Wefarmup website, launched on October 7, is seen as the first collaborative platform for sharing agricultural machines. It is created by Vosmachine.com, created by Jean-Michel Lamothe, farmer and winegrower in Hontanx, on the borders of Landes and Gers, with a trade professional, Jean-Noël Barbaza. “One day, I had to renew a large tractor, says Laurent Bernède, 39 years old, farmer and service provider in Francescas (Lot-et-Garonne), and I was told that this represented A lot of money for use for just three or four months stop; “I couldn't find a solution for a shared purchase and so I bought it myself with the idea of ​​buying it one day.”

The subject came back into focus when, during a meal with one of his acquaintances, Jean-Paul Hébrard, at the end of 2014, the latter said that he was using the car rented by an individual via a car-sharing website. The plan for a similar site more suited to agricultural equipment is not at the moment. The two men then became partners and launched the company Wefarmup.

Between 150 and 350 euros per day

It's not easy to move from cars to professional engines for sowing, transporting, picking or processing plants… A list of around ten categories has been established. Depending on the power of the mobile phone, locating a tractor is always charged between 150 and 350 euros per day. OR a cattle truck is rented for around 100 euros per day . Things get complicated with sowing: count 125 euros for a Canadian type model online, plus 250 euros with the sowing covering equipment.

Special insurance

This price includes, approximately 10%, civil liability insurance, damage, machine breakdown, etc. Wefarmup has passed an agreement with Groupama, everyone loves Vosmachine.com. The latter wanted to support this “new innovative and value-creating service” from the start, even if the implementation of insurance products was not the easiest given the diversity of tools and the different risks associated with it. to their uses. Wefarmup interests farmers. The site received more than 6,000 visits in three weeks which followed are launched. Equipment owners who use them find a complementary service with the location. The site offers information about another product inhabiting “three hills longer” about the availability of a machine at a specific price. The site is charged with a percentage rate before the transaction.

Additional income

The depreciation of the property is also such a common machine and which can, through this means, collect an additional income of a few billion euros for one; the sum could even reach 15,000 euros . The tenant found an answer after a kiss. For example, the distribution of fertilizers, which only takes place for a few days each year. “Cofarming” and pooling could help agriculture gain competitiveness. “It's a anti-crisis solution thank you for specifying Laurent Bernède, this avoids getting into debt and allows you to have access to the means of production.” The formula presents a interest for young farmers recently installed and hesitant to invest in too many machines. Another interest will consist of the limiter of the future; In order to maintain competitiveness, producers opt for the solution of expanding their farm, which often involves purchasing larger and more expensive machines.

Competing sites with Cuma?

This is in all this what is left unclear by the new European regulations on tractors and self-propelled vehicles for agricultural use which should come into force on January 1, 2016. One of the developments concerns the maximum reference speed on the road for tractors, currently set at 40 km/h. Tomorrow, manufacturers will be able to approve agricultural engines at top speeds of 40 km/h. 50, 70 and why passed 80 km/h. The only constraint: that the tractors have the equipment necessary to meet approvallike heavy goods vehicles (obligatory ABS type braking, annual technical inspection, etc.).

road speed will indeed increase

The Germans and the English are already ahead. They take advantage of the subtleties of European regulations to authorize, at national level, a higher speed limit. In France, we are not there yet but specialists on these issues are unanimous: road speed will indeed increase. It remains to be seen when, by how much and what the rewards will be.

The first will, without a doubt, be the need to invest in a new approved engine. But also in equipment that will be attached to tractors such as trailers or all other trailed tools. Though. Who left him controlled at 40 km/h with a speed approved at 25 km/h and fined by the gendarmerie? We will certainly have to think differently because the most serious consequences will be encountered in the event of an accident on the road… especially at 70 km/h with a cultivator approved for 40 km/h. If you assure us that you have a higher circulation certificate for vehicle approval, you may not be able to settle the conditions of application of the contract. He will therefore be able to terminate the insurance contract. And without insurance, in the event of a liability accident, you will be required to pay compensation as part of your civil liability…

you must validate a CE type permit

counterpart Second, allowed? It would not be surprising if the regulations governing people authorized to drive agricultural machinery were completely reviewed…. And where farmers and farm employees are obliged to validate a CE type license, also called a “super heavy license” (specifically that of semi-trailer drivers).

France is also the last country in Europe where a tractor weighing more than 3.5 t can be reduced with a simple B license, or even without. In most other European states, a CE permit or a specific permit is required. Belgium thus implemented a G permit in 2006. For these specific permits, the procedure is simplified and sometimes even close to that of the B permit.

In the best case scenario, a new category of permits will be created to adapt training to the specificities of the agricultural profession. Why don't you offer training like that of Caces? But, in any case, know this, things will change! And we may have to stop asking the 16-year-old intern to rush to the coop to deliver 25 tonnes of wheat at harvest time.

One thing is certain: evolving regulations

Some will cry that they are fed up with over-regulation, we can understand that. Certain files are now a very high priority so that the government is tackling what may appear in a niche, not fiscal, but rather legal. In any case, even if the training required to obtain a driving license may seem restrictive, it at least has the merit of providing useful knowledge, particularly in terms of safety.

One thing is certain: evolving regulations. A compulsory permit is restrictive but not aberrant. As far as speed is concerned, an increase of 10 km/h does not fundamentally change. If the objective is to actually save time on the road and not simply 5 to 6 minutes to reserve at the cooperative during lunch, from other existing solutions. Some farms or Eta have understood this well by training their staff for CE permits and investing in semi-trailers. But it is certain that this evolution of operating logistics is not suitable for all structures.

Last big question: when will all its developments be decided? Because when we see the complexity of the system and the energy that must be spent just to obtain a few pieces of information or exchange with experts with broad skills in the ministries, we can also say to ourselves that it is not not ready to evolve. To be continued.

Drawing on his experience as a farmer and dealer, Laurent Bernede created one of the world's first plates of location of materials between agricultural professions (There is also VosMachine.com which I launched in October 1995).

The prince is simple. You are a farmer, Cuma, dealer and your materials are underused? Why not rent them to generate additional income?

The team UsFarmUp Take care of the administrative, insurance and payment part. On the rental side, it’s nothing but happiness.

For catnip, the advantages are numerous, such as testing a tool before investing, paying only for the actual use of the machine at often very attractive prices. On the tenant side, it is therefore a relevant service.

With WeFarmUp.com, Laurent Bernede wants to “expand the circle of mutual aid to 30-40 km, or an hour by tractor”. But you need a lot of users to have equipment in your sector less than an hour by tractor… and available when you need it. In agriculture, as the workers age according to the seasons, the whole world sees the machines at the same time.

The charter for the proper use of materials attempts to answer these questions with reciprocal commitments on their conformity and their conditions of use.

“Owners and tenants are rated, as are the facilities. Impossible to believe in a new profile in case of bad rating. “The profile is unique, based on the Siret number,” said Laurent Bernede.