DDOR osiguranje pushes digitalization during COVID to speed up claims payment process in Agro

Mobile App DDOR TERRA presented at Vojvodina Development Agency

Following the trends of both digital user habits and increased risks of damages in agriculture caused also by natural disasters, DDOR osiguranje, in cooperation with BIOSENSE institute developed a special mobile application DDOR TERRA. This platform will enable agricultural producers to report claim immediately after the damage has happened and from their field. In this way, the digitalized process of claims payment will be faster, simpler and more efficient and the producers will be able to continue their work. Application is going to be free for all crops and fruits policyholders of DDOR osiguranje and can be downloaded online. This initiative shows the responsibility that DDOR has as a traditional leader in insurance of the members of agro-chain with the amount of RSD 5 bn. claims of crops and fruit paid in agro only during last 10 years.


DDOR TERRA represents another step in our substantial digitalization process aiming to provide increased quality of service to our clients. As a leading company, we truly believe in innovation as an enabler for faster, easier and more transparent service providing. Making a safer and more secure and sustainable environment is our mission and servicing claims is our raison d’être. We truly believe that insurance in agriculture enables sustainability for local SMEs since it smoothens the extreme effects of bad weather on small family companies. This project is at the forefront of digital change that should trigger the positive spiral of higher use of technology in a traditionally conservative industry such as agriculture. Thus the process of digitalization in agribusiness can and should have the same impact as the “industry 4.0” has in manufacturing with the large potential for cooperation between the State and the private market players. The aim of all the stakeholders is to improve efficiency and reinforce this industry with a strategic impact on business but also on the quality of life of citizens. DDOR TERRA is an example of extraordinary value created by business and leading institute for digitalization in agriculture – Biosense. We’ve reached our aim – better service providing for our clients, and we will continue to further develop this platform in order to provide timely information for good decision making of every individual producer. On this path, we count on both proven expertise of Biosense as well as the active participation of the government institutions.” stated Giorgio Marchegiani, Chairman of the Executive Board of DDOR osiguranje.

“Data is the oil of the new age, which gives new energy for global development. Digitalization permeates all parts of society and the economy, and the potential for the application of information technology in agriculture is largely still untapped. The BioSense Institute, as one of the important research institutions in Europe and a regional leader in the process of digitalization of agriculture, strongly supports the participation of companies in this process through strategic partnerships with the Institute. DDOR, as one of the leading insurance companies in Serbia with a traditional presence in the field of agriculture, recognized the importance of this process and through the pioneering project of digitalization of insurance in agriculture DDOR TERRA, made a significant breakthrough in the digitalization of agricultural insurance,” said Professor Vladimir Crnojević PhD, Managing director of the BioSense Institute and added: “Through the digital crop insurance platform DDOR TERRA, the insurance process has taken on a whole new dimension. Transparency, speed of communication, active participation of farmers in the process of claim processing and efficiency of the entire system change the concept of insurance and turn it towards the future. This project represents significant steps on the long road of digital transformation of agriculture. The pioneering endeavor, jointly implemented by DDOR and BioSense, has great potential to accelerate the digitization process and set an example to other agricultural actors to embrace the challenges of the future more courageously.”

“The Provincial Government will continue to support all projects of the relevant Secretariats and Development Institutes that aim to support and protect agricultural farms from natural disasters with the innovative equipment,” said the President of the Provincial Government, Igor Mirović.

DDOR TERRA is a unique technological solution intended for all agricultural producers that helps all farmers to have an overview of active insurance policies for their crops and fruits on their smartphone, but also to quickly and easily report a claim to their field or orchard. It is developed with the BioSense Institute as a leader in the development of Agro-technological solutions, uses the most modern GIS (Geographic Information System) models for reporting damage. In this way, in addition to speed and accuracy, the need for direct contact is reduced and the process of claim assessment and liquidation is accelerated. This digital platform uses satellite images and filters for the selected field with crops or fruit, monitor their growth and progress to harvest. This allows a clearer risk assessment and in case of claim more precise quantification of loss.

The tradition of company “DDOR Novi Sad” a.d.o. is over 70 years old. Since 2012, the company has been part of the leading Italian group Unipol Gruppo S.p.A., with a written premium of over EUR 14.0 billion in 2019, and which serves over 16 million clients.

DDOR osiguranje in Serbia, with its team of 1,400 employees and through its strong and developed network of over 105 internal and 640 external points of sale, serves over half a million clients and has the fourth largest market share with a premium of over RSD 13 billion. As a socially responsible company, it invests significant funds in culture, art and traffic safety. It is the official insurance company of the Olympic Committee of Serbia.

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