62 



Cattle Insurance in Bavaria. 



decide as to the general fitness of the animal for acceptance. 

 In estimating the value of each beast, according to the values 

 current in the district, regard is had to its age and condition 

 at the time. Goats are valued at 15s. per head, irrespective 

 of age, etc. The value of the stock as thus determined con- 

 stitutes the amount insured, and the animals are then 

 entered in the insurance record, with (in the case of cattle) 

 particulars of the sex, age, colour, breed, purpose for which 

 kept, and value. Any change in the stock insured must be 

 immediately notified to the society. Entering young 

 animals (when of proper age is reckoned among such 

 changes. 



Three members of the committee of the society make a 

 systematic survey in the winter and spring of every year, to 

 ascertain that all the animals capable of being 

 insured on a farm are duly insured, that all the insured 

 animals are present, and that there has been no change in 

 the value of the stock. Change of ownership of an animal 

 among members of the society does not extinguish the 

 insurance, all the rights and duties of which are transferred 

 to the new owner. If an animal is sold to a non-member, 

 however, the insurance lapses, except in the case of an 

 animal dying from a scheduled disease or compulsorily 

 slaughtered, within a certain specified period of time. 



Members of these insurance societies must notify cases of 

 sickness, accident, death, or compulsory slaughter of their 

 animals, and the necessary steps are then taken by the 

 society. In cases of severe sickness a veterinary surgeon 

 may be called in, and the animal may be treated at the 

 expense of the society, but the owner is required to render, 

 free of charge, all the assistance necessary, and to carry out 

 faithfully all the instructions of the veterinary surgeon. If a 

 beast appears to be suffering from a disease which is incurable 

 or can only be cured with difficulty, its immediate slaughter 

 maybe ordered by the society. 



The value of the dead beast is estimated according to 

 current prices, due regard being had to age, condition, and 

 the purpose for which it was kept ; no deduction being made 

 for deterioration as a result of illness or injury. The total 



