Specifically the objectives of this research project are to:
I. Understand and detail why farmers do, and do not use insurance and price mitigation products to identify the extent to which use and attitudes towards these products relates to active decisions to not use such products, or to other reasons such as lack of information.
II. Understand and detail the relative importance of different driving factors affecting the use and uptake of insurance products, to establish the importance of policy, market and social drivers as they affect uptake of insurance products.
III. Understand what the barriers to the use of insurance uptake are, and consequently identify any factors that could potentially overcome these barriers, including how attitudes towards, and uptake of, these products would potentially change in the light of policy or regulatory change, farm income levels, or greater or lower uptake of insurance products by other farmers.
IV. Explain the extent to which the factors identified in i) to iii) above apply equally to all farm types, sizes, business and farmer characteristics.
V. To identify from i) to iv) above the factors that could potentially change behaviour towards, and uptake of, insurance products, in particular to identify potentially modifiable behaviours and outcomes that could be delivered.