Although not a farmer, following a recommendation, we use this for our car insurance as prices are competitive. They have also paid out without problem to other people we know, and were good when we advised them that someone had written off our car(they didn’t need to get involved as the other person admitted liability). I’ve not actually been in, but dealt over the phone with them, and never had any problem, although sometimes the lines are engaged. The policy also insures me to drive any other car, which has been very handy at times.