Özet:

In 2005, the Agricultural Insurance Act No. 5363 was adopted in order to ensure the risks threatening the agricultural sector. This law establishes a insurance pool, which is aimed at supporting farmers who make agricultural insurance and 50% of the premium amount (66.7% in don insurance) is paid by the state. The main objective of this study is to develop policy recommendations for the spread of agricultural insurance in Turkey. In this scope, Tekirdağ or Hayrabolu, Malkara and Suleymanpaşa districts have been selected as a research area. According to the data provided by the Ministry of Agriculture and Forestry (TOB), a sample framework consisting of 16,771 has been created. The number of producers to be discussed using the oral sample size formula has been determined. The data obtained from the surveys made with 192 producers used the problems faced by agricultural insurance producers and the reasons for non-assurance producers were solved by frequency distribution diagrams, the view of the producers to innovative insurance products was revealed by the score test. The results of the analysis are that the problems that farmers in the research area face in the agricultural insurance system are classified as the lack of sufficient knowledge of experts, the failure to correctly detect damage, their brutal behavior and the high insurance costs. As a result, income insurance is an alternative model that can be implemented for the spread of agricultural insurance. The resolution of the problems arising from experts expressed by the producers, the clarification of certain issues related to the system's functioning and the calculation of the amount of insurance premium based on the current work to meet the expectations of the producers are the main elements that will increase the number of producers making agricultural insurance. The continuation of the state support granted to the insurance premiums to be at least 50%, and even if the state resources are appropriate, the increase of the state support will increase the rate of being insured.

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