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Precast concrete bridges are highly economical, quickly constructed, durable, safe and can be constructed in days rather than weeks which is great news for farmers needing to traverse rivers, creeks, irrigation channels and ditches.
Almost all farms have creeks, water ways or gullies that form a physical barrier between two otherwise connecting paddocks.
These barriers can be the source of much anguish as farm animals, farm machinery or even in an emergency, fire trucks or other emergency vehicles are prevented from crossing.
In recent times there has been an emergence of the use of Precast concrete bridge planks that are quick to install and can be designed to serve any of the uses mentioned above.
A single span farm bridge can be designed and manufactured away from the farm and can be installed and made usable inside of two days.
Typically the farmer chooses his preferred crossing location and sends a hand sketch to the precast concrete manufacturer, together with its intended use.
The precaster will design the bridge and its abutments and following a brief site measure will manufacture the bridge components.
Most bridges will span between 5 metres and 15m and will be 1.2m to 4.8 metres wide.
On the farm, the abutment trench will be excavated on both banks of the creek and some stabilised sand or gravel will be placed in the trench.
On the day of the bridge arriving on the farm, a crane arrives followed by the delivery truck or trucks.
The crane will set up on one side of the creek and lift the abutments into the trenches. Once the abutments are levelled up, the bridge planks will be lifted into position.
At this stage if a structural topping concrete is required, sheets of mesh and other reinforcing bars will be installed.
The structural concrete will be poured from the back of a concrete truck and the crew of three men will screed and finish the concrete.
As the delivery trucks, crane and concrete trucks depart the paddock, a bridge is left behind connecting the two banks.
Article kindly provided by Hollow Core Concrete.
Risk management and hay storage are hot topics among farmers and insurers following a number of hay stack fires over past seasons.
Insurers are looking at the shed sizes, baling practices and asset protection to better understand the risk of insuring hay. At the same time, it’s important that farmers look at how to better risk-manage their livelihood.
At MGA we have assisted clients through similar losses in recent times and can share some insights relating to what we have seen as effective risk management practices, along with items you may like to consider when reviewing your insurance.
When reviewing your insurance, it pays to review your sums insured thoroughly. Don’t forget to include:
- Council planning requirements at the rebuilding stage (water storage, plumbing, council application fees & MFS fittings);
- The removal & relaying of the pad, even the rubble can crystalise due to the high temperatures involved & require replacement;
- Removal of debris – knocking down & removal of the remaining structure inc tip fees; and
- Fire fighting costs, including the hire of an excavator to assist with spreading the hay to extinguish the fire.
Risk management measures that have been taken by some clients include:
- Installation of a Gazeeka Moisture Metre to identify high moisture bales as they are baled, with these bales then stored separately in a cleared area and monitored;
- The use of hand held moisture probes to test every bale before they are stacked in sheds;
- Installation of surveillance cameras;
- Padlocking all gates;
- Amending an induction program for harvest casuals to emphasise the potential outcomes should procedures not be followed;
- Splitting a replacement shed into two sheds to reduce the impact on the business in the event of a fire.
These are just some examples of what we have seen in our experiences but should not be taken as general advice as each case is different.
If you would like to review your insurance or get advice specific to your circumstances, please don’t hesitate to contact your nearest MGA Insurance Broker.
For more information go to www.mga.com
Article Kindly provided by MGA Insurance
With predictions of significant population growth and the impending demands on Australian farmers to increase their production in order to meet our needs, the importance of utilising new technologies to make smarter decisions and allocate farming resources efficiently is of the highest priority.
Understanding what the future of technology looks like for agribusiness involves understanding how farmers can harness the power of real-time supply chain monitoring and validation through technologies such as blockchain, data-driven decision-making tools with ever increasing connectivity between other farms and information sites, and the evolution of the Internet of Things (IoT) to power network-connected and autonomous machines and devices across the farm.
Blockchain: Efficiency powerhouse.
Blockchain technology allows farmers greater transparency of transactions along the entirety of the supply chain as well allowing access to critical, real time information. At a fraction of current times, real-time information will be available for sales, purchases, trades and deliveries. Traditional methods of sending and validating information – think sale prices and contracts – will become a thing of the past. Since inefficient supply chains can drastically reduce profit, real-time tracking reduces risk, administrative tasks and leads to cost reductions.
Connectedness: Putting Farmers in control.
Until now, suppliers have held the upper hand when it comes to collecting and distributing data about everything from seed performance to chemical pricing. With the availability of cloud-based information sharing systems, farmers across the world are coming together to share information with other farmers – enabling them to bargain more effectively for pricing, compare crop data, and reduce their bottom line.
IoT: Introducing Precision Farming.
The number of devices that are able to be connected to the internet is expected to grow to 50 billion by 2020. For farmers, these devices include everything from sensors on self-driving tractors that are able to collect plant and soil data, to drones and farm software and they will be key to meeting the increased food demand. For example, the ability to be able to make decisions about watering, spraying, and fertilising for specific sections of the farm instead of treating with a blanket application will enable less wasted resources and better soil and crop performance.
While none of us can really know what the future holds we know it will be technology and internet driven, and it’s clear that viewing the internet as a vital resource for the profitability of agricultural and horticultural businesses is no longer optional.
Article kindly supplied by Activ8me.
“Get to, know your firearm; become thoroughly aware of the way it works and how to look after it properly.”
National Firearms Safety Code
- Treat every firearm as being loaded.
- Your firearms are your responsibility.
- Always ensure your firing zone is clear and identify your target beyond all doubt.
- Never point a firearm at or near another person.
- Never load a firearm until you are ready to shoot.
- Keep your finger off the trigger until you are ready to shoot.
- When you have finished shooting remove the magazine (if fitted), unload and then check that the chamber is empty.
- Make sure that all firearms are transported securely to prevent misuse or theft.
- Never allow unauthorised access to your firearms or ammunition.
- Do not climb fences or obstacles with loaded firearms.
- Encourage safe and responsible handling of firearms in the field, on the range and within the community.
- Never mix shooting with alcohol or drugs.
- Understand the operation of your firearm, keep it in good repair, and always use the correct ammunition.
- Never store firearms and ammunition together. Ensure they are safely locked away when not in use.
- Be familiar with the legal requirements for safe storage, firearms ownership, possession and use in your state or territory, or in the state or territory you are visiting.
- Dispose of unwanted firearms lawfully. Surrender them to the police or sell them to or through a licensed dealer.
Observe this code ~ insist others do the same.
Article Kindly provided by Sporting Shooters’ Association of Australia (SSAA)
Before You Dig is a free service that puts farmers planning to dig in contact with owners of underground pipes and cables that may run through and around rural properties. It is essential to lodge an enquiry with Before You Dig before any excavation work as the presence or location of underground assets may not be known to landowners.
Minor excavation activities can cause major damages to these underground networks.
Farmers can lodge a free enquiry online at www.1100.com.au or by calling 1100 during business hours. You will receive plans providing details about underground assets including information on how to work safely around them.
Lodging a Before You Dig enquiry is particularly important in rural areas and is the essential first step when excavating for works such as fencing, planting, constructing a dam or shed, or even when burying livestock.
Rural property owners must show duty of care when working around assets.
- Underground network information should be sought well in advance of excavation activities
- If the scope of works changes or plan validity dates expire, you must submit a new Before You Dig enquiry
- Always perform an onsite inspection for the presence of assets. Should you require an onsite location, contact the asset owner directly
- You must dig by hand when excavating or working close to underground networks
- If damage to an underground asset occurs, you must advise the asset owner immediately.
Always ‘Before You Dig’ and remember the 4 P’s of safe excavation – Plan – Pothole – Protect and only then Proceed.
Recently we’ve seen more and more farms becoming a member of Before You Dig (DBYD) which means their assets are protected through the DBYD service. New members include Windfarms; as the Turbines generate electricity it is carried via underground cables to the substation. If these cables are damaged via excavation works it could be a very dangerous situation for the excavator or a costly fix for all parties involved.
Article kindly provided by Before You Dig.
Animal welfare legislation & livestock transport
The Australian Animal Welfare Standards for the Land Transport of Livestock (the Standards) define specific requirements in relation to livestock transport in Australia.The Standards are enforceable. It is an offence to load and transport an animal in a way that causes, or is likely to cause, it unnecessary harm.
These Standards replace the individual state/territory livestock transport provisions of the Australian model codes of practice for the welfare of animals, so there are now the same rules nationwide for livestock transport.
This Is it fit to load guide will help producers, agents, buyers, transporters meet their legal obligations under the new Standards.
Preparing livestock for transport
Preparing livestock for transport correctly is a vital element of any journey. Well-prepared stock travel better, are less stressed and associated animal welfare issues are avoided.
- plan the journey including rest stops and inspections
- know who to contact in case of an emergency
- make sure the facilities including yards, races, loading ramps and vehicles are well constructed and will not injure livestock
- handle livestock quietly and with minimum force – stress is cumulative
- segregate animals appropriately (e.g. horned animals, mothers with young, etc.)
- rest recently mustered livestock prior to loading
Steps for preparing livestock for transport:
It is the responsibility of the person in charge to ensure that animals are prepared correctly and will cope well with the entire journey.
Preparing livestock for transport – feed & water
Maximum time off water. The Standards determine the maximum period of time that each species can be held off water during transport. See the table overleaf for more information.
This period includes mustering and any time off water in yards, as well as the journey itself. But, these are maximum limits – certain classes of animals, such as pregnant or young animals, or conditions such as hot dry weather could mean animals need even more regular access to water.
Journey log. Transporters, drivers and agents should always seek information about how long animals have been off feed and water before loading. If it is likely that the journey will take more than 24 hours, then the date and time when animals last had access to water and when they were last inspected must be recorded by the person in charge. Written information about who to contact in an emergency must also be provided.
Feed and water during curfews.Dry feed such as hay but not green feed can be offered prior to loading even if water has been withheld. While food and/or water is on offer, make sure that there is enough space for every animal to access it, as shy feeders become an issue when space is limited. Consider giving electrolytes to animals during the preparation period as it may help prevent physical stress during a long journey.
What to do if an animal is unfit to load
If you identify an animal which meets any of the criteria on above, then you must not transport it.
- treat the animal and transport when recovered and fit to load
- humanely destroy the animal, or
- consult a veterinary surgeon, and then
- transport only under veterinary advice.
(A) indicates the frontal method and (B) indicates the poll method which may be used in an emergency if the
frontal position is unavailable.
(A) indicates the poll method which is the only one suitable for sheep with horns, (B) indicates the straight
down or crown method.
Make sure the animal is dead before you leave it.If in doubt re-shoot. Bleeding out is used to ensure the
death of an unconscious but still living animal.
Article kindly provided by Meat & Livestock Australia. For more information visit Site of Meat & Livestock Australia.
Farming families are tackling succession planning through low interest loans and grants from the Queensland Rural and Industry Development Authority (QRIDA).
Farm Management Grants are rebates covering up to 50 per cent of the cost for professional succession advice, to a maximum of $2,500 for each eligible member of the family. Last year 548 Farm Management Grant applications were approved worth more than $900,000.
This grant helped producer Gary Spotwood and his family start the process of succession in their business, Mt Alma Fresh Organics.
“QRIDA helped my wife Angela and I begin a conversation with my parents and their accountant about succession. Without Farm Management Grants, we wouldn’t have started succession planning for another 10 years” Gary said.
These grants, together with First Start and Sustainability Loans are helping families to keep farming successfully across the generations.
The First Start Loan allows family members to buy into a farming partnership or take on the family business by providing up to $2 million on 20-year loan terms. The Loans attract low interest rates, no fees and charges, and are dedicated to helping the next generation build their enterprise.
Sustainability Loans have been used to prepare the family business for transition and set it up for future success. The loans can provide up to $1.3 million for on-farm improvements and developments, including purchasing additional property, diversifying and investing in capital expenditure to improve profitability.
To take the next step in your succession journey reach out to one of QRIDA’s nine Regional Area Managers based across Queensland. Your local Regional Area Manager is available to meet on-farm to discuss these programs, their requirements and the application processes.
ArtArticle kindly provided by the Queensland Rural and Industry Development Authority
Quad bikes or all-terrain vehicles (ATVs) are used on many Australian farms. It has been estimated there are over 220,000 in Australia. Despite their wide use and value to farming businesses, the sad fact is they are the leading cause of injuries and fatalities.
Since 2001, over 150 Australians have died while using a quad bike with 54% of deaths involving ATVs happening on farms and more than 60% of those occurring after a rollover. Fatalities are not just devastating to families; ATV accidents are estimated to have cost the community almost $300 million in the past decade in medical bills, coronial and work safety investigations and compensation payouts
Research by the Australian Competition and Consumer Commission has supported the alarming rate of quad bike riders driving dangerously. The consumer research of 125 recreational quad bike users conducted last month found almost a quarter surveyed rode with someone accompanying them on the same bike.
ACCC deputy chair Delia Rickard said injuries and deaths relating to quad bike use had significantly increased over the last few years. She said there were 18 reported quad bike related deaths last year.
“Close to 30% of these deaths were of children under 15 years of age, which is frightening considering children should never be on a quad bike designed for adults,” Delia said.
But more concerning for the ACCC was the finding one in six ATV users did not wear helmets, eye protection or sturdy footwear. Consumer research highlighted more than one-third of quad bike users were self-taught and almost half had been taught by a family member, friend or neighbour.
Delia said although users perceived quad bike riding to be a dangerous activity, they still also perceived it to be quite easy.
There are some steps you can take to help prevent accidents when using a quad-bike:
- Choose the right vehicle
Each quad bike comes with a unique set of manufacturers specifications, so when choosing one to use on the farm, make sure you keep in mind who will be using it, the type of work it will be involved in and how it will run on your farm terrain. There are three easy steps to help you select the right vehicle for your farm.
- Identify your needs and relevant operator safety issues.
- Compare vehicle options to your needs.
- Question dealers and others with relevant knowledge.
Each person who will be using the bike should attend rider training, to ensure that they understand exactly how to handle the vehicle. Training will be especially beneficial for inexperienced riders. The manufacturer, supplier, an external training provider or yourself (if you have the necessary skills and expertise), can provide training. Some suppliers provide training options at the time of purchase.
- Communication Systems
In many quad bike-related fatalities, the victim was not noticed as missing for at least 24 hours, sometimes considerably longer. Some of these lives could have been saved if the victim communicated they were injured and received help promptly.
As farm employees often work alone, it is important someone else knows their planned movements. If they are late returning, a phone or two-way radio call will keep concerned parties informed.
- Crush Protection Devices (CPD) and rollover bars
Rollovers account for 60% of fatalities. A rollover bar or CPD can counter some of the risks associated with rollovers.
- Riding without passengers or bulky loads
Quad bikes have a high centre of gravity and narrow wheelbase. It is risky to carry passengers or loads that may offset the balance and cause a rollover.
- Taking precautions around children
Children should be fully supervised and discouraged to use a quad bike if they are not fully trained.
- Wearing protection
A well fitted helmet, gloves, boots and clothing that cover the arms and legs go a long way towards protecting a person while riding.
- Riding on familiar terrain
As quad bikes are not considered stable, it is important to be aware of the terrain on which you are riding. It can be easy to become distracted and suddenly find yourself unbalanced.
If there is a slope, riding up and down the terrain is much safer than riding across the face.
The operator’s manual should contain a list of items to check prior to operating a quad bike.
Some things to check before riding:
- fuel levels
- loose or damaged parts
- air filter
- lights and switches
All quad bikes should have routine maintenance carried out which should check all of the above, plus include thorough:
- replacement of parts
This article has been supplied courtesy of WFI, a leading Australian farm insurance company. For further information on WFI visit wfi.com.au
Sources: Australian Centre for Agricultural Health and Safety. (2013, April 3). Quad bike fatalities costly but manufacturers fail to act. Retrieved February 11, 2014, from Australian Centre for Agricultural Health and Safety: http://home/vwprqvww/public_html/farm-guide.aghealth.org.au/tinymce_fm/uploaded/Quad%20Bike/mr_quad_bike_fatalities_costly.pdf
Workplace Health and Safety Queensland. (2009). Quad Bikes on Farms. Retrieved 2014, from Department of Justice and Attorney General: http://home/vwprqvww/public_html/farm-guide.deir.qld.gov.au/workplace/resources/pdfs/quad_bikes_farms.pdf
Farming Ahead. (2013). Health and Safety: Quad Bike Death Toll Climbing, pp. 14-15
Australian banks have lent in excess of $60,000,000,000 to Australian primary producers. ABARE’s statistics reveal that the interest cost within a farmers business is in the top three expenses, if not the highest.
If this is the case when interest rates are low, what will happen to these figures if interest rates increase?
Farmers naturally focus on their operation on a day to day basis and become operational experts. It is their passion, their joy and after all their livelihood. A farmer’s attention to focus on the funding side of the equation perhaps doesn’t attract the application compared to the operational side. This maybe because there exists a knowledge gap on the technical side of banking, or there is insufficient time (or motivation) to apply to it. In addition to the borrowing costs to the business, another area that is constantly overlooked within banking arrangements is the inherent funding risk the loan contract entails.
Funding risk at a base level is the risk that the farmer faces when there is insufficient capital or liquidity in the business to operate the business. It is directly linked to solvency. In reality, funding risk is actually more than just having spare capacity in the overdraft account to run the business, it is being aware of what the banking thresholds are in terms of a bank being able to support a client. Remember banks can call in loans even though a client meets all of their interest commitments.
Being ignorant of these critical thresholds places another layer of risk within a farming business. These discussions are rarely spoken with bank managers given the negative association of the discussion points, yet behind the scenes banks have to adhere to strict process and protocols in accordance to their banking licence mandate. Farming, on the other side is inherently volatile in terms of seasonal and commodity variations. Marrying these two economic forces together can create uncertain outcomes if not addressed in a strategic manner.
Hence there are two material benefits in focusing on the funding foundation of the business.
1) First is to reduce the cost of interest. This can save a business $’00,000 per annum.
2) Second, is to reduce and mitigate funding risk.
But how is this achieved?
The first is all about negotiation and leverage, but to do this you need to be a master of the second issue: understanding funding risk from a bank’s perspective. Ascertaining funding risk is understanding how a bank measures a farming business’ credit profile. Once mastered, it is then also knowing how to present your business to the bank.
Information is knowledge and knowledge is leverage. It all starts at ground zero. Having good financial control and measurement systems within your business should be the primary focus. Solid reporting procedures include timely, accurate and relevant data being available. Three way reporting is ideal. Cash flow budgets, profit and loss and balance sheet analysis is a banker’s nirvana. Budgets have to reflect commercially achievable outcomes. This is the base line and starting point.
Second, know your bank’s business. Learn and educate what the banks look for when they credit profile a client. It goes well beyond in just providing them financials, a cash flow budget and balance sheet. Every business is unique and all elements of risk assessment need to be addressed. Industry risk, commodity price risk, key man risk, management risk, operational risk, geographic risk, seasonal risk, counterparty risk…the list goes on. Financial ratio analysis and feasibility / sensitivity analysis also plays a major part. Not addressing this elementary criteria can be perceived as management not understanding or addressing risk within the business. The credit profile will be compromised accordingly.
Negotiating your banking platform with your bank has two important factors for consideration. First is to recognise and accept what the bank’s mandate is when operating commercially with clients.
It is the bank’s prerogative to maximise their revenue out of every client interaction (as much as the market or the client will allow) in accordance to the credit profile of the client. Their activity is in the shareholders interests, not the clients, to sell certain products at certain prices. Banks have very large balance sheets with very large marketing budgets so knowing what is best for your business and how to achieve it can be very opaque at the best of times.
The second consideration is knowing when to present your business to the bank. Each business goes through certain business cycles; growth / consolidation / succession / integration etc. It is about ensuring that a business presents itself only when it is bank fit to maximise the outcome. This sets the benchmark for your credit profile which goes on file. If the timing has been ill considered, it can create a perception that your business does not qualify for optimal pricing and structuring or even approval.
A farmer cannot be everything to everyone. Recognise where the knowledge gaps are and externally source the expertise. Build your management team around this concept. The returns on this investment can be very material and tangible. In addition, external advice can accelerate knowledge and understanding of the banking system to ensure wealth creation is maintained and not put at risk.
It is your business to enjoy. Sleep well at night knowing that it is protected!
Article kindly provided by Ian Robinson (Director of Robinson Sewell Partners).
Buying an ATV can be a difficult decision, with such a wide range of utility and sports models with varying engine size, wheel base, seat configuration just to name a few considerations. And in a tight economy, you rely on making the right decision the first time.
What do you need and want?
What will you be using your ATV for mainly? Will you be carrying a load? Do you use it for work and play? Will you be carrying passengers? The activity you want out of your ATV will help you decide what few ATV’s to consider.
You may also want to consider more than just your primary work.
Taking your ATV out for a ride, not unlike trail biking, outside of work is a growing recreation, which may be something you want to take part in and you may want to ensure the model you choose will take you there.
The terrain you will be taking your ATV should also be a consideration. A 4×4 capability may not be necessary for more moderate terrain. Look at the tyres to ensure they will be able to take on the ruggard nature of your property.
Research before you shop
Like any work or personal vehicle, understand what you are purchasing. With a number of brands and models on the market, take a look at manufacturer’s and dealer websites for initial information about the products and allow you to compare specifications. Also ask friends and colleagues for advice, as well as searching the internet for product reviews.
Arctic Cat Are No Newbie
If you have attended any of the major field days over the past 12 months, read the local news or performed any serious research into ATVs and Side by Sides, you will have likely found yourself afore a large range of new dominant vehicles flying under the banner of ‘Arctic Cat’.
The bold green brand was relaunched in Australia in February 2013, backed by Australia’s leading independent motorcycle and accessories importer, distributor and retailer, PS Importers.
While Arctic Cat Australia travels far and wide signing up dealers in rural and metro towns across Australia, attending field days and operating local demo days the feedback has been overwhelming. “Arctic Cat probably had a stronger brand awareness in Australia than we initially anticipated, there are many customers out there who are thankful to see Arctic Cat back in Australia in a big way” commented Arctic Cat’s Brand Manager, Simon Gloyne.
“For those who haven’t heard of Arctic Cat, let me tell you some interesting facts about this American household name. Arctic Cat was established in 1962, with a heritage dating back to the introduction of motorised snow sleds and is now one of the world’s largest manufacturers of ATV’s and Side by Sides. Based in the tough climatic region of Thief River Falls, Minnesota Arctic Cat has always ensured their vehicles are built to the highest specification. In the states, the brand is known for their slogan ‘Built Right, Right Here’.” Gloyne adds.
The proud American brand started manufacturing ATVs in 1995 and now presents a comprehensive range of over 24 ATV and UTV models available to Australian farmers and recreational sports enthusiasts.
“The brand has grown significantly in the first 12 months, now with 22 dealers covering all states Australia wide, and a new expansion venture into New Zealand. The Arctic Cat product isn’t a hard one to sell; these high spec units are class leading in so many areas complimented by a host of features you would expect from a leading American brand.” Gloyne continued.
The range of models is expansive to say the least, from 90cc to a whopping 1000cc V-twin ATV, a diesel ATV unit, twin seat ATVs, tilt tray ATVs, competition Mud Pro models as well as class leading tilt tray, long wheel base, Side By Side vehicles with certified ROPS cage, and unbeatable payloads.
Arctic Cat’s American Made ‘Prowler’ line-up offers a range of engine sizes to suit your needs from 500cc to the ultra powerful V-twin 1000cc Prowler. Since the brand’s initial resurgence into Australia in early 2013, three popular models have been available. The Prowler 550 XT and Prowler 1000 XTZ (V-twin) are two passenger vehicles running on a short wheel base offering a host of features as standard including:
- Electronic 2/4WD
- Electronic front Diff Lock
- Hi-Lo range, Full Automatic CVT belt drive transmission
- 680kg tow capacity
- 272kg tipper tray
- Bucket Seats with three point harness
- Certified roll cage
- Linked Disk braking on 14” rims
- Power Steering on Prowler 1000 XTZ model only
To compliment these two great features, Arctic Cat now offers two Heavy Duty Prowler vehicles in both a 500cc and a 700cc single cylinder configuration. The Heavy Duty, or “HDX”, range offers a:
- Longer wheel base
- Larger Tilt Tipper Tray Capacity (up from 272kg to a massive 453kg)
- Easy conversion from tub to flat bed tray
- 3 passenger bench seat
- Power Steering on Prowler 700 HDX Limited model only
With an extensive range of optional accessories, an Arctic Cat Prowler is the perfect farm hand. Consider kitting out your Prowler side by side with an optional roof, windscreen, gun scabbard, heater, winch, and you will have a utility vehicle that will go almost anywhere, offering you comfort, flexibility and efficiencies in your day to day duties.
If you’re in the market for an ATV or Side by Side, consider it a must to explore the range which is all built to comply with the demanding ANSI/SVIA 1-2010 Safety Standards. See the range and find your nearest dealer today at www.arcticcataustralia.com.au
Article kindly provided by Peter Stevens Motorcycles.