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BDI – What does it cover and how much does it cost?
Note: All colonies on a communal site must be covered by BDI for the insurance to be valid.
Please note, ONLY equipment listed below will be compensated for. Most, if not all, other equipment will not need to be destroyed. Bees are NOT covered
| British Standard brood frame | £ 2.90 |
| All other brood frames | £ 4.00 |
| British Standard shallow frame | £ 2.10 |
| All other shallow frames | £ 2.90 |
| Top Bar Hive frames | £ 1.20 |
| Warré Top Bar frames | £ 0.80 |
| Slotted steel queen excluder | £ 5.60 |
| Wire queen excluder | £20.00 |
| Plastic queen excluder | £ 4.10 |
| Glass/polycarbonate quilt | £19.80 |
| Open mesh floor | £15.00 |
| Saleable honey | £ 3.00 per lb (subject to a maximum of 40lb per hive averaged out over all of the colonies being claimed for in a single apiary) |
Subject to reduction based on condition as assessed by the Bee Inspector:
- New – equipment that does not appear to have been used in an active colony yet – no signs of propolis, no drawn out foundation
New equipment is compensated at the rates above
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Good – equipment that appears to be less than three years old and is in good usable condition (no wax moth damage etc).
Good equipment is compensated at the rates above with a reduction of 40%
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Poor – anything that does not fit into the above categories.
Poor equipment is compensated at the rates above with a reduction of 80%
No compensation will be paid for other equipment eg hive bodies are not covered.
Both plastic (including ‘Flow Hive’ frames) and wooden frames are covered. Where no specific rate is quoted above for non-standard hive components the rate will be by agreement with the BDI Claims Manager.
- Subject to reduction for previous claims history:
If claims have been made in both the previous two years compensation will be reduced by 25%.
If claims have been made in all the previous three years compensation will be reduced by 50%.
If claims have been made in all the previous four years compensation will be reduced by 75%.
Insurance premiums are ‘banded’ by the number of colonies.
2024 annual insurance premiums:
Up to 3 colonies: included in the basic £2.00 subscription which is included the Registered Members subscription
Cover for additional colonies is available by paying the Additional BDI premium:
Up to 5 colonies in total: £1.20
Up to 10 colonies in total: £4.70
Up to 15 colonies in total: £7.75
Up to 20 colonies in total: £9.50
Up to 25 colonies in total: £11.10
Up to 30 colonies in total: £13.60
Up to 35 colonies in total: £16.10
Up to 39 colonies in total: £18.10