Cattle Insurance in Bavaria. 



63 



amount must not exceed by more than ten per cent, the 

 value of the animal inscribed in the insurance record. 



The amount of compensation paid for animals which have 

 died is seven-tenths of the value thus ascertained ; in the 

 case of animals compulsorily slaughtered L it is eight-tenths ; 

 for goats it is always 15s. If the carcase of a slaughtered 

 beast is condemned by the police authorities as wholly or in 

 part unfit for food on account of some scheduled disease, the 

 compensation paid is seven-tenths of such a sum as the carcase 

 has lost in value owing to this condemnation. 



The Central Office pays half the compensation, the other 

 half being paid by the local society : in practice, the Central 

 Office pays out the whole sum as soon as it is satisfied as to 

 the claim, and collects the other half from the local society at 

 the end of the year. Incases of infraction of the regulations, 

 the right of withholding the compensation is of course 

 reserved. 



Provision is made for appeal by the stock-owner, in cases 

 where he is dissatisfied with the value placed on his animals, 

 or with other decisions of the society, to a tribunal, usually 

 consisting of three members of the society, one nominated by 

 himself, a second by the committee of the society, and a third 

 co-opted by the first two. 



The members of the societies pay an entrance fee and an 

 annual premium. The entrance fee has hitherto been 2 pf. 

 (about Jd.) for every two shillings insured, but this amount is 

 subject to variation in certain circumstances. The premiums 

 are calculated annually according to the year's requirements 

 for compensation (including cost of management), and levied 

 accordingly. The amount is based upon the total value of the 

 animals as ascertained in the spring and autumn surveys. 

 These premiums amounted on the average to rn per cent, of 

 the total sum insured in 1896-7, and have somewhat increased 

 since, so that in 1900-01 they were 1*32 per cent. 



The growth of the operations of these Bavarian cattle 

 insurance societies has been considerable during the five 

 years 1896-7 to 1900-1. The number of local societies has 

 increased trom 814, with a membership of 39,201 owners of 

 194,402 animals, to 1,551, with 74,020 members owning 



