POLLUTION, vandalism and theft are the main concerns for farmers when they buy insurance.
A national survey by Frizzell Countryside insurers showed that farmers over the past five years had grown increasingly worried about pollution.
About half of the farmers said vandalism and equipment theft was more prevalent than in 1990, and 36% felt livestock theft was more likely now than it was five years ago.
Neil Webster, Frizzell marketing director, said: "The pattern of insurance risks has changed. Rural crime is no longer confined to rural fringes but extends to the most remote areas." *